7 Tips for safe online transaction

Today I am going to provide you 7 tips for a safe online transaction.

Day by day our life is becoming easier and easier with the rise of the internet and other technology. Nowadays, many of us prefer online shopping over traditional shopping. This is why online shopping is becoming a hit in the country.

7 Tips for a safe online transaction
7 Tips for a safe online transaction

The growing fetish for online shopping is now proven by the e-commerce giants like Flipkart and Amazon by their high volume sales figure.

With the growing technologies and internet, we are not only habituated with online shopping but also with other online transaction like online banking, bill payment, ticket booking etc.. On one hand it makes our life easier and on the other, it made us vulnerable to hackers. The biggest example in the recent time is the banking system hack, which affected top banks like SBI, HDFC, ICICI, Axis Bank etc. So this is the time to know how hackers work and prevent ourselves from being hacked and do the safe online transaction.

Here I am going to provide you with few tips for the safe online transaction and how hackers using to steal your information.

1. Phishing

In this technique, hackers used to make a website or web page which looks exactly like the original website and provide you the link to it via email or other social networking technique. People take it as the original website and try to transact with it by providing their username, password, debit card or credit card information.

Once you provide your personal information, it sends the details to hacker and then closes the page by showing some kind of error. Now the hackers have the information they wanted.

Preventive Measure

You should always go to the website by directly typing its URL (address) manually or if you go through any link always check out the URL of the website where you are transacting before any kind of transaction for a safe online transaction. If you believe something suspicious in the URL, close it and type fresh URL in the address bar. Do not ever trust the looks.

2. Farming

Hacker used this technique to modify your router’s configuration and change the DNS setting so that when a user types the actual intended website’s address on the address bar, it will open the phishing website which will look similar to original one. You won’t even notice any change in the address bar as you typed the address of an original website. Now onwards, it will work just exactly like phishing attack as mentioned on the previous point.

In this technique, hackers will send you a link via email or via any social networking website/app which may look exactly like from the original sender. Once you open the link, a malicious script will try to login to your router by a combination of different username and password automatically. Once they succeed in opening your router’s configuration, they will change routers DNS configuration so that when you open the originally intended website, it will redirect to their phishing website.

Preventive Measure

Almost all routers now come with common username and password. You should always change the default username and password of your router whenever you install any which will help you in a safe online transaction.

3. Vishing

This is also called Voice Phishing, in this kind of attack, the hackers generally target bank customers. In this technique, hackers will call you by claiming themselves as banks representative and lures you to provide them your personal details like Debit Card/Credit Card number, Customer ID, Password, ATM Number, ATM Pin, OTP, CVV etc. by creating the sense of urgency in your mind. Once you provide the information, hackers will use that information for fraudulent activity.

Preventive Measure

You should always remember that Bank never asks such a thing over the phone or call. If you think this is a genuine case, contact your bank before providing any information. If you suspect that you compromised yourself, contact your bank immediately and change the details as early as possible.

4. Keystroke Logger

This comes in both software and hardware variant. The software variant comes with infected software or came to you intentionally using social networking or email. Once you click the link, it downloads to your computer unintentionally. Whether it downloaded unintentionally or comes with infected software, it installs itself silently on the computer without your knowledge and sends the hacker whatever you type.

The hardware variant is different and can be identified if you check the computer thoroughly which you are going to use, you can find it. It may come with PS2 or USB port and can be attached to the available port on your computer.

Preventive Measure

Always use updated antivirus on your system which you use regularly for online transaction. Never click on any link which you do not recognize. If you are in urgent and need to use a public computer, make sure the system is properly protected with updated antivirus and check the available ports to identify if any suspicious object attached to it.

5. Malware / Viru

Hackers use these tools to damage your computer or take control of it. Virus and malware come with infected software or infected web page and website. Once Virus and malware infect your system, hackers collected sensitive and personal information for fraudulent activity.

Preventive Measure

Always use updated antivirus on your computer system and mobile phone in which you use your online transaction. Never click on an unwanted link or install any unknown software on your computer or mobile.

6. Sim Swap

Hackers used to get the new sim with your number by contacting your mobile network service provider with a fake id. Once they get your number, they can access your mobile banking as nowadays most of the bank providing mobile banking with your phone number. They can get OTP and anything which is related to you with your mobile number.

Preventive Measure

To prevent such kind of mobile number theft, always contact your mobile operator if you do not receive any call or SMS for an extended period or if you think there is no service. If you receive any SMS from your mobile operator for probable SIM swap, immediately contact them. Register for the instant alert on both your mobile number and email in case of any activity on your account.

7. Unsafe Apps

As the use of mobile is increasing, this kind of threat is imminent. We tend to use a lot of apps on our phone. An unsafe app can gain access to your personal information stored on your phone and send it to hackers for fraudulent activity.

Preventive Measure

Never install any app from an unknown source or authority. Only install apps if you know the source is good enough.

Last but not least, if you believe that your personal data is compromised in any way, change those data immediately without any delay. Always prevent yourself from getting into the trap of hackers and do a safe transaction.


11 Things to Consider While Buying a Smartphone

Today I am going to cover 11 Things to Consider While Buying a Smartphone.

Nowadays mobile phones became an integral part of human life, it’s now not limited to only for communication, we used to capture photos, videos, browse the internet, shop online, save documents, banking online and a lot more with our smartphone.

Buying a SmartphoneWhile buying a smartphone, there are wide varieties of smartphone available on the market. Therefore it’s a little bit tough task to decide which one to buy. So here I prepared a list of things to consider before purchasing your next smartphone.

1. Body

Body is the most important factor while choosing a smartphone. This is not only about the durability of your smartphone but also how it looks and feels when you handle it. There are three types of body available for smartphones. These are Metal, Plastic and Glass. Glass panel phones are very rare but still available on the market.If you are prone to drop your phone frequently, it’s advisable that you should go for Metal or Plastic panel body as these type of body can survive drops from 2 – 3 feet, while glass panel will definitely shatter.

2. Display Size & Resolution

It depends on how you use your device. If you use your smartphone for streaming videos, edit your photos and videos, download and view movies, then you should choose anything between 5.5” to 6” size with HD or QHD resolution. Size beyond 6” not only makes it bulky but it will also make you uncomfortable to control.If you use your smartphone for regular documents handling, social networking, email checking etc. apart from communication, you can choose between 5” to 5.5” with HD or Full HD resolution.

3. Processor 

The processor is the heart of the phone. The more powerful it is, the more powerful things it can handle. The processing power of phone varies from phone to phone depending upon its Operating System, User Interface, bloatware etc.If you use your phone for multitasking like using two apps on a split screen, stream videos, edit photos and videos, play heavy games then processor like Qualcomm Snapdragon 652 or Snapdragon 820/821 is best suited for you.If you are a light user, then even MediaTek processors are also fine for you.

4. RAM

While buying a smartphone, you should also consider how much RAM you need. This also depends on how you use your smartphone. If you use your smartphone for heavy gaming, video streaming and using apps on a split screen, then you must choose higher RAM than regular. If you are a heavy gamer and like entertainment, you should go with around 4GB ram or above.If you intend to use it for less memory intensive work, then you can go even with 1 GB ram.

5. Camera

If you think that the number of megapixels makes your phone’s camera better, then you are wrong. The quality of camera does not depend upon only on megapixel. Sometimes you can find a 12MP camera is better than a 16MP camera. The quality of camera depends upon camera aperture, ISO levels, pixel size, autofocus and more apart from megapixel.Megapixel makes the size of the image. If you have a greater megapixel camera, it will capture bigger picture and it will become sharper when you see it on the small screen. If you are a photographer, you can choose between 12MP or 16MP camera along with f/2.0 or lower aperture. Of course, you can go with more megapixel camera, if available and according to your like, the lower aperture makes it possible speedy shots even in low lights.If you are a casual shooter, you can choose anything between 8MP to 12MP camera along with f/2.0-f/2.2 aperture.

6. Battery 

The battery is one of the most important factors you need to keep in mind while buying a smartphone. It depends on how you use your smartphone. If you are a heavy user and use your phone primarily for apps, game, video stream etc. then you should choose around 3500mAh or greater battery. The more mAh battery you have, the longer it last.If you are a light user, then even 3000mAh will make your battery last full day.

7. Operating System

This is also one of the key factors you should consider while choosing a smartphone. This makes User Interface in which you have to go through every time you need to do anything with your smartphone. So it must be easy and simple.This is the area where your own like and choice is required. Some people consider windows is simple, others Android and iOS. So it is recommended to check out the different operating system on other phones before you choose anything to go with. Sometimes the same version of the operating system comes with different flavor and simplicity with a different brand of phones. Therefore you should check the OS before you buy.

8. Storage

It depends on how you use your phone. If you like to store a lot of movies, music, apps on your phone, the higher storage you would require. You should remember that a large chunk of the phone’s storage is occupied by the operating system and pre-installed apps. Apart from the occupied space, the storage does not come with exact mentioned available space. Some space is reserved for hardware level on storage. Any storage memory is not available completely for storage.If you like to store a lot of movies, music and install lots of apps, you could go with 64GB or 128GB variant or else you can go with 32GB. If you like, you can also find that if 16GB with microSD card support best suits you.

9. Extra Security

While buying a smartphone, you should also look for the security features it provides. Most of the smartphones nowadays come with security features like a fingerprint sensor and iris scanner. These do not only help you to lock and unlock your phone but also keep your important document and other files safe with protection. Fingerprint sensors are common but iris scanner comes with very few smartphones. You should consider that whether these types of extra security you require or not because it comes with a price. It is advisable to go with these kinds of extra security feature while buying a smartphone because nowadays, we all tend to store a lot of personal and important files on our smartphones.

10. Speaker and Quality of Audio

This is the important factor for those who heavily use their smartphone for video streaming and video conference. If you are one of them and would like entertainment on the go, buy a smartphone which comes with front-facing speakers. Front facing speakers will give you clear sound when holding the smartphone in landscape mode. If you do not use much video streaming or video conference, then you could go with the bottom facing speaker or back-facing speaker.

11. USB Port 

Although smartphone these days comes with both micro USB and USB Type C Port. It is advisable that you go with USB Type C port because this is future proof. More and more smartphone manufacturers are shifting to USB Type C port standard. Even a few manufacturers moving to USB Type C port as Audio Jack from traditional 3.5mm Jack.

These are few things everyone must keep in mind while buying a smartphone. You can visit to check the specification of any before buying.


Google’s Tez now offers Chat service

Every tech industry trying to grow their user base and when it comes to social networking, there is a lot of potentials to grow as you directly connect with users. Now Google’s Tez wants to join chat service.

Google Tez

In 2014 social networking giant Facebook took over Whatsapp which is widely used chat service in the market. Even though Facebook has its own Facebook Chat messenger, they took Whatsapp so that they can extend their user base to a huge crowd as Whatsapp messenger was in the top. Just recently we got big news that Facebook integrating UPI based payment services to its Whatsapp app.

UPI based payment system is growing very fast in India due to demonetization and Government’s cashless push. This is why Google launched its UPI payment service app Tez in September 2017.  As now Whatsapp which is already a chat service entering into payment industry, Tez which is already an established UPI payment service in India now wants to join instant messaging or chat service to grow its user base.

According to Google spokesperson who has given a statement to, the messaging features are currently available only for some users and not available to all of its users. He said

“We’ve added a feature to Tez that allows you to send simple messages back and forth to your contacts about the payments you make,”

He continued

“Further, your transaction history with each person or business is grouped together like a conversation — just as a chat apps group your messages together. This experience feels natural and enables richer, more engaging interactions,”

Google has already many instant messaging apps available like Hangouts, Allo, Voice, Messages, Hangouts Chat and Duo apart from Youtube which has its own chat interface. With this new messaging feature Tez is expected to become more popular than it’s any other instant messaging services.

With this new update, I hope that Google’s Tez app make itself a good competitor to Whatsapp and other established instant messaging services.


Samsung Galaxy S9 available under Rs 10,000

Samsung is going to release its new model Samsung Galaxy S9 and Galaxy S9+ in India on 16th March 2018. The starting price of these two models will start from 57,900. As always with all new models, Samsung is expected to release these models with a bunch of offers.

Samsung Galaxy S9 Plus

Samsung has partners with many telecom partners to give its customers special offers but the most enticing offer it has got for its customers by partnering with Airtel.

Before looking into this special offer, let us check the variants available for these models.

Galaxy S9 with 64 GB model comes with a price tag of Rs 57,900 while 256 GB will be available on Rs 65,900/-.

Galaxy S9+ 64 GB variant will be there at a price of Rs 64,900 and 256 GB will bear the price tag of Rs 72,900.

Now let’s talk about the offer you get with Airtel. Airtel customers can get these models with initial down payment of 9,900. The rest amount can be paid in 24 installments. You will also get 2TB of data benefit along with all benefits.

Airtel also offers “Double Data” offers to the user of Galaxy S9 and S9+ users. The users can opt for Rs 199, Rs 499, Rs 799 or Rs 999 plan to get 3G/4G data and at the same time will get Amazon Prime membership, unlimited calling along with other features.

Apart from the Airtel, there are also some key players who also offer great offers. Here are few:

Paytm offers Rs.6000/- cash back which will be credited to the buyer in their Paytm Wallet. HDFC debit card and credit card holders will also get Rs. 6000/- cashback. Vodafone offers 1 year free Netflix subscription and Samsung itself gives Rs. 6000/- bonus on exchange amount for these models.