Amathiphu okugwema ukukhwabanisa nguTalon Wilde! (v1)

Kwa-Dollar Scholars sifuna ukugqamisa imikhonyovu yezezimali njengosongo olukhulu kumabhizinisi nabantu ngabanye. Lapho sichitha isikhathi esiningi ku-inthanethi, sivezwa ezikhangisweni, imikhonyovu, namaphuzu obungozi lapho sabelana khona ngekhadi lethu lesikweletu, inombolo yokuphepha komphakathi, nolunye ulwazi olubalulekile lomuntu siqu.

Umbiko we-2025 FBI IC3 Internet Crime Report ukhombisa ukuthi ukulahleka kuka-2025 kufinyelele irekhodi lama- $ 20.9 billion, kukhuphuke ngama-26% kusuka ku-2024, ezikhalazweni eziyi-1,008,597. Lo ngunyaka wokuqala izikhalazo zidlulile kwisigidi esisodwa. Ukukhwabanisa kokutshalwa kwezimali, ikakhulukazi i-crypto, bekuyisigaba esikhulu kunazo zonke ku- $ 8.6B, ngaphezulu kwe-40% yazo zonke izinlahleko. Imikhonyovu ehlobene ne-AI ibalwa okokuqala: izikhalazo ezingama-22,364 kanye ne- $ 893M ekulahlekelweni (Federal Bureau of Investigation 2026).

Ukuvikela ulwazi lwakho lomuntu siqu ku-inthanethi kuyingxenye ebalulekile yokuphatha izimali zakho ezweni lanamuhla. Nawa amathiphu ambalwa engicabanga ukuthi awusizo:

Ithiphu 1

Yize kungase kubonakale kukhungathekisa ekuqaleni, zama ukusebenzisa ukuqinisekiswa kwe-multi-factor (MFA) lapho kungenzeka. Ungabona noma ukhuthazwe yizikhungo ukuthi zisebenzise lokhu kakade, kepha uma ungajwayelene nokuqinisekiswa kwe-multifactor kubhangqa idivayisi onayo efana nefoni yakho ephathekayo noma i-laptop yakho ku-akhawunti njengesheke lokuphepha ukuqinisekisa ukuthi nguwe ongena ngemvume. Izinhlelo zokusebenza eziningana zithandwa ngale nsizakalo njenge-Google Authenticator, i-Microsoft Authenticator, i-Duo, nokuningi. Ungathola futhi amakhodi athunyelwe ku-imeyili yakho, ifoni, nanoma iyiphi indlela ongaba nayo lelo sheke elengeziwe lokuthi nguwe.

Ithiphu 2

Nciphisa izinombolo zekhadi lokulondoloza. Imvamisa, ekuphumeni, iwebhusayithi ingacela noma ihlole kusengaphambili ibhokisi ukuze ugcine inombolo yakho yekhadi ukuze uthenge esikhathini esizayo. Yize lokhu kungabonakala kulula, amawebhusayithi angasebenzisa njengendlela yokunciphisa ukungqubuzana phakathi kwakho nokuthengwa kwesikhathi esizayo. Lokhu kungabuye kube yisisulu somsebenzi omubi ovela kubaduni ababeka amehlo abo kuleyo database. Ukuze unciphise inombolo yakho nemininingwane yomuntu siqu ekuphulweni noma ekuntanteni kuwebhu emnyama, sincoma kakhulu ukuthi ugcine imininingwane encane ngangokunokwenzeka.

Ithiphu 3

Sidinga futhi ukuxoxa ngesihloko solwazi lomuntu siqu, olwaziwa nangokuthi "Ulwazi Lomuntu Siqu" noma "PII." I-PII ifaka noma yiluphi ulwazi olungakhomba umuntu njengomuntu othile futhi kungaba igama, inombolo ye-ID, i-imeyili, inombolo yocingo, ikheli, ikheli, ikheli le-IP noma yini engalandelwa emuva kubo. Kunezinhlangano ezizungezile ezisebenza ekuthengeni nasekuthengiseni lolu lwazi olubizwa nge- "Data Brokers," okungathinta ukuthi izimali zakho zilandelwa kanjani. Lokhu kuholele ekukhuphukeni kwamanani okuqondiswe mathupha ezindlekweni ezifana nezimoto noma umshuwalense wezempilo (Norwood 2024). Ukusebenzisa ama-ad-blockers, i-European Union's General Data Protection Regulation (GDPR) ukuphuma, noma izinsizakalo ezinjengeCalifornia DROP ephoqa abathengisi bedatha ukuthi basuse idatha yakho njalo ezinsukwini ezingama-45 kungasiza ukunciphisa ubukhona bakho ngaphandle kwemvume yakho.

Ithiphu 4

Kubalulekile futhi ukuthinta izindlela abantu abanonya abangazisebenzisa ukufinyelela idatha yakho yezezimali futhi bakhiphe abangakwenza. Imvamisa lokhu kuhamba ngezikhangiso zokukhwabanisa ezithi "Unqobile!" noma "Ikhompyutha yakho igqekeziwe!" bese idinga uhlobo oluthile lokukhokha ukuqedela "ukuqinisekisa" kwakho noma "ukuthenga" ukulungiswa. Ama-ad-blockers angenye yezixazululo eziqondile kulokhu ngemuva kokuqwashisa kwakho nesizathu sakho kuphela.

Into ebaluleke kakhulu ukubona ubuthakathaka nokuthi abanye bangazama nini ukuthola ulwazi lwakho. Okokugcina, into ongayenza ukuze uthole ukushaya kwenhliziyo ekuphepheni kwakho kwedijithali ukucela ikhophi yedatha yakho ezinkampanini ozisebenzisa kakhulu njenge-Facebook noma i-Google. Ungamangala ngalokho abakuqoqayo, abakuthengisayo, ngakho-ke zazise ngenqubo yabo uma unesikhathi. Noma ngabe kuhilela ukusebenzisa idatha ye-FBI noma imibiko yethu ye-ScamDB, sihlela ukuqhubeka nokulandelela nokufundisa abantu abavela kuzo zonke izizinda mayelana nokutholakala kwemikhonyovu, nokuthi yimiphi imikhonyovu engaba khona nganoma yisiphi isikhathi. Hlala ubukele amathiphu amaningi wezokuphepha kwe-cyber njengoba sinakho kuwe!