Want to avoid online fraud? Move to Finland

14% of people globally have fallen victim to online fraud that cost them money, according to the F-Secure Digital Lifestyle Survey 2013. Out of all the countries we surveyed, it seems people in the US and Malaysia had experienced the highest levels of fraud online, with 20% in those countries reporting they have been victims. Brazil, Australia and the UK followed closely behind, with 19%, 18% and 17%.

The lowest levels were in Belgium and Finland, with only 9% in each of those countries having lost money to online fraud.

In fact, European countries in general reported lower levels of online fraud that other countries, which could also explain why Europeans express less concern about online safety and potential fraud than Brazilians, Americans, Malaysians, and others. In Europe, 68% of people are concerned about being victims of fraud when shopping online, and 61% of people when banking online. In the rest of the countries surveyed, however, the numbers are 87% and 84% respectively.

Globally, more people are concerned about online safety when using computers than when using mobile devices and tablets. 69% of consumers are concerned about whether they are safe when using a computer or laptop for things like browsing, shopping, reading, mailing and gaming. 54% are concerned when using mobile devices, and only 43% with tablets.

What about you? How concerned are you about being frauded when going about your daily online activities? Which activities concern you the most?

Here are some tips to avoid becoming a victim:

  • Use a unique password for each account, with a mixture of letters, numbers and special characters
  • Only give your personal or financial information to reputable sites you know you can trust, and only on pages with “HTTPS” in the URL
  • Avoid doing purchasing or banking from shared or public computers, or over public WiFi
  • Watch out for phishing emails that pretend to be your bank or another organization
  • Don’t click on links or open attachments in suspicious emails
  • Make sure your browser and software are up-to-date
  • If you have kids, be aware of what your child is clicking. Many “offers” are designed to look like entertainment for children
  • Beware of offers that seem too good to be true – they probably are
  • Review your bank and credit card statements regularly to make sure no transactions are happening without your knowledge
  • Use Internet security software from a trusted company like F-Secure. F-Secure Internet Security provides the best protection for your computer and online life, blocking viruses, spyware and malware and protecting you while banking, shopping and surfing. You can try it for free here.



[Image by strzelec via Flickr]

More posts from this topic

dead end

Should We Stop Thinking of Email As Private?

When he was still working in cyber security for the Finnish government, Erka Koivunen met a NATO diplomat that there was "nothing new" about the era we now live in. Foreign envoys have always lived with the constant awareness that their private communications could be "leaked" for their enemies to exploit. "Anything that was written down could eventually be discovered," Erka, who is now an F-Secure Cyber Security Advisor, told me. "So the most sensitive conversations never took place in writing." Given the massive email leaks that have now hit the worlds of business, with the Sony hacks, and politics, with the leaks of U.S. political figures, is this how we should all start thinking? Does everyone alive in the twenty-first century have to operate like a NATO diplomat? Or a C-level executive who knows any word she types could be subpoenaed? Or the campaign chair of a presidential campaign? The answer, unfortunately, seems to be increasingly clear. "Whatever you write, you may need to defend your position in public," Erka said. Relying on an insecure medium The problems with email begin with the general insecurity of it as a means of communication. It's more like sending a postcard than sending a sealed letter, Erka explains. "As soon as the message goes out of your or your company’s systems, you lose control of it," Erka explained. "This is by far the biggest problem of the good-ole-email. Messages can be eavesdropped, altered, delayed, replayed or dropped altogether without you ever knowing." To actually spy on email as it's being transmitted generally requires legal access to telecommunications infrastructure or extraordinary technical knowhow and resources. Think law enforcement or intelligence agencies. Since these groups have a vested interest in cloaking their activities, they had little incentive to engage in the massive sort of leaking of gigabytes of private data we've seen from Wikileaks. However, we appear to be at the end of the era of "the gentleman's agreement" between countries, as cyber policy expert Mara Tam explained on a recent episode of the Risky.Biz podcast. This agreement went something like: "Gentlemen read each other's email, but they don't leak it to the public." The leaks from former CIA contractor Edward Snowden helped make the public aware of how much information the government potentially could access. But the exposure of a private individual's digital communication to the world presents a stark new reality for anyone who conducts business online. "Personal mailboxes store gigabytes’ worth of conversation history that will be a treasure trove for attackers for multiple reasons," Erka said. "There are sensitive discussions about business strategy, customers, competitors, products. There is also internal gossip, badmouthing and other damaging stuff." Activist Naomi Klein told The Intercept that "this sort of indiscriminate dump is precisely what Snowden was trying to protect us from." And we don't yet have a full sense of the potential ways this mass of data can be used against us. A competitor could use private information to tarnish someone’s reputation and hackers can mine the data to prepare for future cyber intrusions or to gain access to your other accounts through password resets. Letting the public decide what's private Leaks have already cost some executives their jobs and could swing the U.S. presidential election. But in a sense, we're all victims of this new risk to all of our privacy. "Whatever you write in an email you have to consider, are you ready for your boss, your spouse, your business partners to read it?" Erka asked. This new reality leads inevitably to the tragedy of self-censorship. Zeynep Tufekci -- a "techno-sociologist" -- ‏has been doing a running commentary on the Wikileaks revelations and is very disturbed by what she's seeing. "People gossiping in internal conversation is not a scandal—but destroying public/private boundaries will paralyze dissent, not the powerful," she tweeted. Wikileaks is releasing more documents than it could ever sift through in the hopes that the newsworthy information will be discerned by interested researchers around the world. But along with potentially relevant items, intensely private information has been revealed. "For example, a suicide attempt was publicized through Podesta indiscriminate dump (Wikileaks tweeted it out)," she noted. "Who will want to be political?" This makes the loss of email seem dire, but perhaps it speaks to a not just a flaw in the medium's security but the medium itself. "The deeper problem with email is that it has never quite settled on a social mode," The New York Times Farhad Manjoo wrote. "An email can be as formal as a legal letter or as tossed off as drive-by insult. This invites confusion." What can you do? So, should you be like that NATO diplomat content to keep all of your deepest secrets out of writing? Can you expect yourself to remove all snark and potentially offensive thoughts from your emails? Should you assume that your email box is like a box of letters in your attic, vulnerable to anyone who can get access to it? These answers are ultimately up to you and how you use -- or don't use -- email. F-Secure security advisor Sean Sullivan has found that young people he's interviewed are increasingly abandoning email as communication tool. "They only have an account -- typically Gmail -- in order to sign up for stuff," he said. If this continues, email is on its way out, whether it's private or not. For now, lawyers, doctors and other professionals with explicit legal responsibilities, email has a much more defined role that cannot be easily abandoned or circumvented. As far as your work email goes, consult your IT staff for guidance as you may be under legal obligation to preserve your data. But for your personal email, Erka suggests you have to at least be aware of how likely you are to be a target and what you can do to contain any potential damage -- besides using a strong unique password for every email account you have and only entering your account information on the secure webpage of your email provider. If you are involved in international politics, for instance, there's no question. You are a target. Hackers are either after your emails or are trying to get access to powerful people in your contacts. If you're someone with no power, no tumultuous relationships and no interest in politics, you're likely not to be on anyone's radar... yet. The problem is no one knows where you'll be in a few years and our inboxes are big enough to last a lifetime. "When everyone is using cloud-based emails like Gmail, there's no need to save space," Erka said. "That's the whole selling point of those services: Never delete anything." If you see the potential for enough damage, you many want these recent leaks as an inspiration to launch a serious spring cleaning of your personal online inboxes, including email and social media. "You may want to delete the messages you don't need and sort the stuff you do want into folders that you take off the web and can store on a secure backup," Erka suggested. Yes, you will lose the convenience of being able to search your Gmail box through a simple interface, but so will potential hackers. He also recommends sharing documents through sharing platforms and cloud services such as Sharepoint, Salesforce or Dropbox. "These links can require separate authentication upon opening and the sender can control how long it will be valid," Erka said. "If the email gets stolen and leaked years later the chances are the link will be invalid by that time." For quick conversations, Sean suggests Wickr, which offers self-destructing messages through a mobile app or a desktop client with easy encryption, something that just doesn't exist for most email. "For professionals, Wickr has a paid service which will retain messages for a legal requirement, and will then securely delete them post-requirement," he said. Regardless of policy, employers have a vested interest in moving their staff away from an over-reliance on email for more than privacy reasons. "Actual phone calls and face-to-face discussions that get out of your chair are probably more useful than email or chat threats," Sean said. "So rather than swap from one to the other – just learn to better utilize what you work with best." These leaks offer a sobering reminder that email is not secure. But, perhaps, the more important message is that it as a means of communication, it was never very smart. [Image by Alan Levine |Flickr]

October 20, 2016

5 Things You Need to Know About the Threat of Election Hacking

Cyber security is playing an starring role in the drama surrounding the question of who will be the next president of the United States. "The security aspect of cyber is very, very tough," Republican nominee for president Donald Trump said, when asked about securing American secrets from cyber attacks during the first debate. "And maybe it’s hardly do-able." Even the integrity of the election has been put into doubt by the threat of hacking -- which may be exactly the point. The questions about cyber intrusions into the electoral system and the wild speculations those intrusions provoke can be hard to put in perspective. So here are five basic premises to help you assess the situation as this historic election transpires. It would be almost impossible to hack the entire U.S. election. The biggest reason this U.S. presidential election is unhackable is that most of it doesn't depend on computers. More than three out of four Americans will vote on a paper ballot this November 8, Techcrunch's Ben Dickson reports. And the fact that all Americans don't vote in the same manner points to the biggest reason you probably couldn't hack the election. Each state has its own system, with some federal guidance. Nearly every state lacks sufficient funding to fully upgrade their systems, hence the reliance on outdated technology. So while voting machines are definitely vulnerable to hacking, hitting just the right ones in a systematic way that just happens to sway the electoral college vote in favor of one candidate would involve both a massive investment of time and money and an even larger serving of luck. But that doesn't mean an election can't be "hacked." “To ‘hack’ a US presidential election, all you need to do is to obviously tamper with one county’s system, then leak that the tampering occurred,” our security advisor Sean Sullivan told Dickson. “Many people will rush to assume that all of the other typical issues that occur may also be the result of hacking — and thus, you’ll end up delegitimizing all of the results.” A delegitimized election equals a  delegitimized winner. You don't even have to hack an election to hack an election. The hacks of the Democratic National Committee and Hillary Clinton's campaign chair John Podesta could end up being far more consequential in swaying the election than hacking either voting processes or actual vote counts -- especially if the resulting leaks end up revealing something extraordinarily damaging to the candidate in the documents being dripped out by Wikileaks. “Owning an election is gold; being able to influence it is silver; knowing the outcome in advance is bronze,” F-Secure cyber security advisor Erka a Koivunen explained. It's pretty clear that someone is at least after the silver in this election. Someone has definitely poking around in the U.S. election system. The United States has been clear that it believes that Russia is trying to hack this election. This month U.S. officials have explicitly stated that the Russians are behind the hack of a contractor that works on the electoral system of the key swing state of Florida. Similar hacks were reported by the states of Arizona and Illinois. U.S. intelligence also believes Russia is behind the hack of Podesta's emails and a security firm believes it found evidence that the nation led by President Vladmir Putin was behind the hack of the DNC. Russian Foreign Minister Sergei Lavrov told CNN that the accusation that it was behind the Podesta hack "flattering." When pressed to confirm or deny his nation's involvement, Lavrov said, “No, we did not deny this, they did not prove it." Trump himself questioned whether the hack actually happened in the second debate and if he's concerned about Russian hacking, he doesn't seem to be showing it. At one point he even -- jokingly, he said later -- asked Russia to hack his opponent's missing emails. Election technology needs to improve quickly. It's safe to say that no matter who is hacking the U.S. elections, the U.S. is probably hacking them, too. The richest nation on Earth is just not engaging, as far as most people can tell, in the leaks that have followed the recent U.S. hacks. In this new era of cyber attacks backed by nation-states or "privateers" employed by nation-states the rules of cyber espionage are unclear and the fog is thick. No matter what happens in 2016, digital technology will play ever-increasing role in both campaigns and election, and the U.S. needs to take steps to ensure the integrity of its elections. Sullivan believes that the Department of Homeland Security should go through with its proposal to declare voting system critical infrastructure and then adapt its defenses to catch up with the threats. “Network monitoring is rapidly becoming a requirement,” he told Techcrunch's Dickson. And voting must be made to feel at least as secure as using your credit card to buy a coffee. “Smartcard technologies are available in several European countries for online identity authentication,” Sullivan said. “They aren’t widely used. If a country such as the United States were to get serious about rolling out such tech, it would be a game changer.” All of this focus on the security of election systems means that there are “more people checking stuff.” The question now is who is putting in more resources -- the attackers or the people doing the checking. [Image by Maryland GovPics | Flickr]

October 13, 2016

An Open Letter to Businesses that Block VPNs on their Free Wi-Fi

Occasionally we get a question on our privacy community about a Wi-Fi hotspot blocking VPNs. Thankfully this doesn't happen very often, but we decided to write this letter to let companies that do this know why they shouldn't. Dear business providing free Wi-Fi but blocking VPN, First of all, we don’t want to seem ungrateful. Thank you for giving us free internet on your premises. We all appreciate a reliable hotspot to occupy our time while we fight boredom in a hotel room, rest up before evening bingo on a cruise ship, or sip on a Mocacchino at a downtown café before picking up the kids. Data caps on our mobile plans are getting less and less in the way of us enjoying our time online when away from home, and we thank you for helping us avoid this problem. But what you may not realize is that every public Wi-Fi hotspot is also a golden opportunity for cyber criminals. It’s not your fault, this is just a fact of life we're trying to live with. Most traffic sent over Wi-Fi is basically out there for the taking, and anyone with a laptop and readily available programs can easily intercept all unencrypted data sent over your hotspot. There are a few tricks for users to make sure all their traffic stays encrypted and private, but using a VPN is arguably the easiest way. And yes, it is harder for you to monitor or control what VPN users do on your hotspot. But is having that control so important that you’re willing to trade your customers’ security for it? By blocking VPN on your Wi-Fi, you are actively telling your customers to put their private data at risk while surfing, or to not surf at all.  It’s the equivalent of giving people access to a beautiful sandy beach, but telling them they can only use it if they don’t wear sunblock. Ultimately, it’s your hotspot and your call. But if you care about your customers, don't be in the minority of businesses that forces them to give up their online security and privacy. Best wishes, the FreedomeVPN team.

October 7, 2016