I feel really lucky that we now live in the era where we can do (almost) everything online using our mobile phone or laptop.
Like couple of days ago; I was at the clinic for a medical check up and I had to wait for an hour before the result came out. Hence, I went to the clinic's coffee shop and had some breakfast there. After an hour, I decided to approach the cashier to settle the bill, and guess what: I didn't bring my wallet!
I panicked and immediately called my husband who already arrived at his office that moment (I don't know why I called knowing that he couldn't help much since he was 7 kilometers away, working). He calmed me down (well, that's the why) and told me to order a ride through an online app for our house guard, to send the wallet from the house to the clinic. I called my mother-in-law to help finding my wallet in my room (thank God we live with her!) and pass it to the guy before I ordered the ride straight away. Problem solved.
It’s that easy! I mean, I remember making my mom upset back in school days because I sometimes accidentally left my books, or homework, or wore the wrong clothes (I’m still wondering why there had to be 4 types of uniforms for 6 school days. Jeez.), and my mom had to drive back and forth to send them to me. Fast forward to 10 years later, here we are being able to enjoy such a simple life delivering things we need only by using our handset.
On top of that, shopping has been made easier with online shopping platforms all around us. I was sick and had to be laying on my bed last week, yet I knew that I would need some make up for an upcoming event. Thus, I watched some make up reviews, checked out some online stores for price & quality comparisons, before I made a payment on the payment portal using my credit card, and voila! The order arrived at my door only 2 days later. Even on my healthy days, I enjoy buying things - especially groceries - online, for it saves me a lot of time! I mean, doing it online means that I wouldn't have to dress up, drive through Jakarta's traffic, find a parking lot, nor make a queue at the store.
Of course I also realize that there are a lot of online shopping's downsides, especially the increase on fraud risk - which happened a lot more lately. Hence, here are the 4 safe ways in doing online transactions that you need to remember:
1. Purchase from trusted online shops only
It's not recommended to share our password nor data on an untrustworthy site (seriously, people can make huge money simply by using our data!) and I'm quite happy that a lot of trusted sites already partner with credit card companies and provide a secured gateway for online transactions, through which the payment can only be done upon the key in of a verification code that is sent to the customer's registered phone number.
2. Make online transfer securely
Some online shops require us to pay by making a transfer to the company’s or the owner’s bank account. Should you use m-banking or e-banking service to do such, it's highly recommended to log out upon every transaction. Also, do not share your password and try to avoid keeping it in the same device that you use for the transactions.
3. Always use your own device
Many public computers keep cookies to their browsers, which means it also saves usernames and passwords. Hence, always use your own laptop or mobile phone for every online transaction.
4. Keep track of your transactions
It's always a good idea to check your electronic statements regularly and compare them to the documentation of your transactions, to see if there is any fraudulent charges on your cards or banking accounts. Make sure to immediately call the bank or your card provider if you found any.