tpaul
JF-Expert Member
- Feb 3, 2008
- 24,225
- 22,632
Nimesoma comments za wadau hapo juu, kwa kweli security ya banking tanzania bado ina walakini. Challenges ambazo mimi nimeziona mara nyingi ziko pande zote .... bank na mteja .... ufunguzi wa account na uendeshaji
Kama kuna ambayo yanafanyika, hongera .... kama kuna yanayoweza kuongezwa katika ushauri kwa wateja wasilizwe sana itasaidia mkiongezea. Mimi nimeona haya machache kwa uzoefu na banks tatu tofauti tanzania:
Ufunguzi wa account:
Kuna baadhi ya banks zina msururu mrefu wa kufungua account pamoja na watu wengi wanaoshika file lako .... sina uhakika kama kukitokea tatizo wanaweza kutrace wote. Hapa nashauri wahusika wote watambulike na ikiwezkana mtu mmoja atoe maelezo yote ili mteja akija kufungua account anakuja na vithibitisho vyote sio njoo kesho kuna kitu umesahau. Wateja wapewe checklist ya vitu vya kukamilisha.
Challenge nyingine ni banks zitafute mbinu tofauti za kumfikishia mteja card yake ya bank na password/pin numbers bila kupitia kwa wale waliomfungulia account. Hii itapunguza wizi wa personal information.
Access ya account:
Nashauri access ya account iwe limited kwa wafanyakazi wachache wa bank, na mtu akiingia kwenye account ya mtu ionekane flani aliingia na ajieleze alikua akifanya nini kwa muda huo
Wahudumu wa kudeposit na kuwithdraw:
Hapa baadhi ya banks zinaboa, hawampi mteja privacy yake. Unakuta unahudumiwa anakuja mtu mwingine kuchomeka kikaratasi pembeni na kuongea na mtu anayekuhudumia
Mitambo ya ulinzi
CCTV camera na other online security details ziwe za hali ya juu na vifanye kazi muda wote, visingizio vya umeme umekatika au camera ilikua haifanyi kazi iwe sababu ya mtu kufukuzishwa kazi kwa uzembe.
Uajiri wa watumishi
Nashauri kuwepo na umakini kwenye uajiri ... hapa ni pamoja na references na addresses zake. Banks zijiridhishe na wanayemuajiri wamjue kiundani ili lolote likitokea wajue wapi pa kumdaka kuanzisha kesi.
WATEJA
Card ya bank, Cheque book, Monthly Bank statement, Online access, Terms and conditions (fees, etc) za account .... hivi sio hisani hakikisha unavielewa (kuwa na copy ya any documentation) na unalazimisha kuwa ni haki yako kupewa. Kucheki balance mara kwa mara huwa inapunguza sana wizi mdogo mdogo wa wafanyakazi wa banks.
SERIKALI
Wawe na sheria kali za kudhibiti hizi banks pamoja na insurances kwa wateja .... kwa mfano banks nyingi marekani mteja yuko guaranteed up to $250,000 ya deposit yake kwa any loss ambayo hajasababisha mteja. Hii inazifanya banks kuwa makini sana kwenye usalama wa pesa ya mteja
Hizi nimezikuta sehemu, zinaweza kusaidia kupunguza wizi wa mtandao
These are the essential tips to protect yourself:
- Don't ever give out your personal information to strangers.
- Never use personal details as passwords - such as birthdays of loved ones or your pet's name.
- If you're asked for personal details when signing up with a company, use a random word you'll remember instead. Just because they ask for your mother's maiden name doesn't mean you have to give her actual one.
- Don't do online banking in a public place, such as a cafe. By using wireless you expose yourself to the risk of fellow customers being able to hack into your account.
- Never write down your Pins and passwords in a book, even if it's locked in a filing cabinet. You may think that it's safe, but don't under-estimate criminals.
- Make your password as long and as random as possible. Modern software allows a computer to make 1,000 guesses a second - meaning that a random five-letter password can be cracked in four hours. But it would take a life- time for criminals to work out a 20-letter password.
- Get yourself an online mentor if you're not confident on the internet. This could be a close relative or friend. You shouldn't give them your bank details, but they can help you decide if something isn't right.
- If your gut feeling is that something is not right, contact the police and your bank. If you've been called by suspected criminals on your home phone, call from a different line.
- Never reply to emails that appear to be sent from your bank and, in particular, never give them your passwords or log-in details.
- If your computer is behaving strangely - windows keep popping up or strange internet pages are appearing - then don't log in to your bank account. It may be infected.
Asante sana mkuu kwa kutupa elimu mujarabu. Nadhani jambo la msingi ni kila mteja kuwa makini na fedha zake na kuhakikisha kwamba majizi hayakaribii kwenye kibubu chake. Mimi huwa siamini mabenki ya Tanzania. Kila nikienda kudraw pesa ni lazima niandike kwenye diary kiasi kilichobaki kwenye akaunti ili kama nikirudi siku nyingine kwenda bank nikute zimepungua nikinukishe. Siwezi kukubali wapuuzi wachukue fedha zangu kibwege....fedha ninazozitafuta kwa akili na maarifa halafu wapuuzi flani from no where waje watie mkono wao pale? Sikubali kamwe.
