Protect your payments: How to use PIX safely?

PIX has revolutionized payment methods in Brazil, enabling fast and secure transfers. Since its launch in November 2020, it has recorded over 300 million transactions per month. However, as with any financial technology, it's crucial to understand best practices to ensure secure operations.

First, it's important to understand how PIX works. This instant payment system allows money transfers between bank accounts in real time, 24 hours a day, 7 days a week. Its convenience and speed have led to widespread adoption, but this popularity has also attracted the attention of cybercriminals.

Guaranteed security: Tips and best practices

To protect your accounts linked to PIX, use strong and unique passwords. Avoid obvious ones like "123456" or "password." Instead, create combinations of letters, numbers, and special characters. Additionally, activating two-factor authentication (2FA) adds an extra layer of security.

With 2FA, in addition to your password, you will need a temporary code sent to your mobile device to access your account, making it harder for cybercriminals to gain access to your information even if they obtain your password.

Keeping your personal information updated with your bank is vital. Ensure that your private and contact details are correct so you can receive notifications about your PIX transactions and detect any suspicious activity immediately.

According to records from the Central Bank of Brazil, approximately 10% of fraud cases are due to outdated personal information.

Phishing is a common technique used by criminals to steal personal information. Here are some tips to avoid falling victim to this type of cyber fraud:

• Be wary of suspicious links and messages.
• Never click on links or download files from unsolicited emails or text messages claiming to be from your bank.
• Always verify the authenticity of the message by contacting your bank directly.
• Always verify the transaction details before confirming any PIX payment.
• Ensure that the recipient's details, including name and amount, are correct.

These practices will not only help you avoid mistakes but also ensure that your money reaches the right person.

Additional recommendations

Keep your devices and applications updated with the latest software versions.
Updates often include security patches that protect against the latest vulnerabilities. A report from Kaspersky indicates that 40% of cyberattacks could be prevented by keeping updates current.

It's advisable to use secure networks when making PIX transactions.
Avoid public Wi-Fi networks, as they can be easily intercepted by cybercriminals. Use your mobile data connection or a private, secure Wi-Fi for better protection. According to research by Norton, using secure networks can reduce the risk of cyberattacks by 70%.

PIX offers a convenient and fast way to make payments, but it's essential to operate with caution to protect your transactions. By following these recommendations, you can enjoy the benefits of PIX while keeping your money and personal information safe.

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