Vigilance and prudent measures are needed for safe online banking and shopping. To begin with, make sure to only visit secure websites; look for a padlock icon and make sure the URL begins with “https”. Change your passwords frequently, and add special characters, numbers, and letters to make them more difficult. For an additional layer of protection, use two-factor authentication wherever it is feasible. A secure, private connection is preferable to using public Wi-Fi when conducting business. Maintain up-to-date antivirus and security patch installations on your desktop and mobile devices. To avoid falling victim to phishing schemes, always double-check the legitimacy of the sender and avoid clicking on dubious links or attachments in emails. Keep a constant eye on your credit card and bank statements to spot any fraudulent activity. To make online purchases, use a specific credit card or a virtual card number.