Here Are 4 Ways To Avoid Online Scams And 5 Characteristics Online Frauds – In recent years, also triggered by the corona virus pandemic, people are increasingly doing activities on the internet, from shopping to banking matters.

The development of increasingly sophisticated financial technology, in addition to providing convenience, also creates risks such as online fraud. Payment system providers in a press release see one of the frauds that often occurs in cyberspace using social engineering methods.

Now sharing four ways to avoid fraud online.

1. Check before clicking

Scammers often send messages that provoke curiosity or create an impression of urgency so that victims don’t have time to research the contents of the message. As a result, victims often click on links without a second thought.

To avoid being scammed, make sure to only click on links from official sources, including official phone numbers and emails.

2. Don’t share your PIN

Never give out important information such as account details, passwords, PIN numbers or one-time passwords to anyone. Legitimate companies will never ask their users for such information.

If you receive an SMS, for example, which gives a message that the user has won a competition, make sure to contact the call center or the institution’s official social media.

3. Pay with a secure method

When transacting online, especially via the website, make sure the site is secure, namely using the “https” protocol. Typically, sites with these protocols are marked with a padlock.

If you want to transfer money via internet banking, double-check the account name to see if it matches the name of the intended company. If in doubt, try verifying the account number with, a database that collects account numbers.

4. Beware of unknown numbers

Don’t reply to texts or emails from numbers you don’t recognize, especially if the message is suspicious. Just ignore the message, or block and report it. Applications such as WhatsApp, usually use reports to kill certain accounts.

Recognize the mode of online fraud

Previously, the Ministry of Communication and Informatics found that there were five modes of online fraud that were often used in Indonesia and asked the public to be vigilant and get used to protecting personal data.

Ministry of Communication and Informatics asks the public to be aware of the various modes of online fraud that usually occur in the digital space, such as phishing, pharming, sniffing, money mule, and social engineering.

  • The first mode, phishing, usually the perpetrator will claim to be from an official institution via telephone, email or text message. They manipulate the victim so they want to provide personal data, which will be used to access the victim’s important account. Phishing can result in various losses, including personal identity theft. Carefully read texts and emails, to see if the sender was from a genuine institution.
  • The second mode that Ministry of Communication and Informatics found was cellphone phrasing, namely directing victims to fake websites. If the victim clicks on a domain name system (DNS) entry, it will be stored in cached form. The perpetrator has installed malware on the fake site, so the perpetrator will access the victim’s device illegally. Cases like this happen a lot, for example, someone’s WhatsApp (account) was tapped/taken over because the perpetrators installed malware on their cellphones so that their personal data was stolen.
  • The third mode is called sniffing, the perpetrator hacks to collect information on the victim’s device and access applications that store important data. Sniffing can occur when using public Wi-Fi, especially if it is used for transactions.
  • The fourth mode is known as money mule, where the perpetrator asks the victim to receive some money in his account, then sends it to someone else. Abroad, perpetrators will clear checks, which if checked are fake. As soon as we put it in, if there is an incoming process it will appear first in our account. If it turns out it’s not clearing, it’s deducted. Then, if it’s been used it must be returned. The perpetrator will ask the victim to pay taxes before the gift is sent. So now the public needs to be careful because this money mule is used for money laundering. I will send money, but it must be transferred back to this account.
  • The last mode, social engineering or social engineering. The perpetrator manipulates the victim psychologically to obtain important information, for example asking for a one-time password or OTP. In other words, people are often not aware of sharing data that should be protected. To prevent fraud in virtual world, Semuel sees that there needs to be an increase in the culture of protecting personal data both individually and at the organizational level.

Organizations need to make standard operational procedures that are strict. Even though it is sometimes a hassle, it needs to be done. In addition to preparing technology and data security, it is also necessary to strengthen existing human resources within the organization so that they can implement a culture of data privacy

People who frequently use digital spaces also need to understand and apply a data privacy culture, such as creating passwords that are hard to guess, changing passwords regularly and updating software.

Characteristics of online fraud

1. Attractive gifts and intimidation

Online fraudsters often take advantage of the feelings of their potential victims to follow their desires, such as curiosity, greed or fear.

In many cases of online fraud, potential victims are often lured with extraordinary gifts, such as government grants or cryptocurrency balances.

If you don’t offer a lucrative prize, criminals will intimidate victims such as threatening to spread videos of victims watching pornographic films to all contacts.

When you get an email like that and feel like doing what the sender asked, it’s actually a warning sign that the message is a scam.

2. Short time

Criminals exploit the victim’s feelings by deliberately giving a short deadline so that the victim, who has been carried away by emotions, hastens to follow these instructions.

In one example, the victim only has a few minutes to claim the prize.

3. Amateur design

When getting messages from other people, read them carefully to judge whether they are fraudulent or not. Fraudulent messages are often misspelled, replacing letters with numbers to trick spam filters.

4. Search the database

Fraudsters often conduct surveys or ask victims to fill out forms under the pretext of administrative matters to get prizes. Victims are also asked to read fake reviews, which are claimed to be previous winners of the program.

Some of the indicated scams involve bots posing as lawyers or consultants to convince victims. Kaspersky advises internet users to be wary if a form asks for too much irrelevant data.

5. Ask for fees up front

A favorite trick of crooks is to charge up front with reasons of registration or verification. If you don’t pay, the scammers insist that the victim can’t get the prize.


There are times when the fee requested is not large, however, it is still dangerous, especially when asking for important data such as banking card numbers. In the end, the promised prize never comes, however, the victim can lose even more money.

Hello, my name is Adrelina Mare usually called Adrelina. I am a professional writer on several sites, one of which is this blog.

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