Kybernetické hrozby neobchádzajú ani školákov

Napísal Linda Gáliková 24. február 2025

 S rozvojom digitálnej éry však narastá aj riziko výskytu kybernetických hrozieb. Podľa dát Národnej banky Slovenska (NBS) takmer 80 % kartových podvodov prebieha pri platbách za nákupy cez internet.

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Nástrahy v online prostredí sa pritom netýkajú len dospelých, ale aj deti. Riziko podvodov, ale aj kyberšikana sú toho jasným príkladom. Účinným nástrojom ako sa naučiť voči nim brániť sú aj kybernetické nástroje využívajúce prvky gamifikácie.  Silné heslá, nákupy cez overené webové stránky, dvojstupňové overenie, ale aj nezadávanie citlivých údajov na externé odkazy, či nevyužívanie verejných wifi sietí.  To sú hlavné zásady bezpečného správania sa na internete.

Väčšina kartových podvodov sa odohráva v e-commerce

Z údajov Európskej centrálnej banky vyplýva, že v roku 2018 bolo 23 z každých tisíc platieb kartou v eurozóne podvodných. Na Slovensku išlo o štyri z každej tisícky platieb. Podľa dát NBS pritom dochádza až k 80 % podvodov počas online nakupovania. Zvyšnú pätinu tvoria transakcie prostredníctvom POS terminálov v kamenných obchodoch a bankomatoch.

Obrat trhu e-commerce pritom dosahuje ročne približne 1,8 mld. EUR a v posledných troch rokoch rástol objem o približne o 8 % za rok. Najväčší rast prinieslo obdobie pandémie, kedy obrat za 2021 dosiahol rekordných 2,1 mld. EUR. Na domácom trhu poskytuje internetový predaj približne 14tis. individuálnych predajcov, ktorí sa podieľajú na 12 % tržieb maloobchodného sektora u nás.

Základným pravidlom bezpečnosti pri nákupe na internete je navštevovať len overených obchodníkov a stránky začínajúce skratkou https:// so symbolom visiaceho zámku. Ideálne, ak je platba zabezpečená prostredníctvom dvojfaktorovej autentifikácie tzv. 3D secure kódu, prípade obchodník umožňuje zaplatiť cez digitálne peňaženky. Pri nákupoch najmä na čínskych e-shopoch odporúčame pritom nevyužívať možnosť zapamätania údajov z karty, ktoré môžu byť ľahko zneužiteľné,“ vysvetľuje Linda Gáliková, vedúca PR a internej komunikácie v 365.bank.

Podľa jej slov je zároveň bezpečnejšia než klasická platobná karta digitálna, ktorú je možné po nákupe na pár klikov zrušiť a prevydať za novú. Ak by sme natrafili na podvodného obchodníka, nedôjde k zneužitiu údajov resp. k opätovnému zúčtovaniu finančných prostriedkov z účtu klienta.

Kybernetickými hrozbami sú ohrození aj školáci

Mladí ľudia vyrastajú v digitálnej ére, v období sociálnych sietí, dokonca mnohí nezažili obdobie bez internetu. Deti a mladiství sú cieľovou skupinou, ktorá je najviac ohrozená kyberšikanou. Nevyhýbajú sa im ale ani ostatné bezpečnostné hrozby v online prostredí.

Deti a žiaci si môžu zlepšovať svoje digitálne zručnosti napríklad aj prostredníctvom Tú si môžu zahrať s počítačom alebo so svojimi spolužiakmi, dokonca si môžu vybrať či chcú byť na strane útočníka alebo obrancu. Cieľom je, aby pochopili, s akými hrozbami sa môžu na internete alebo na sociálnych sieťach stretnúť a naučiť ich, ako tieto situácie riešiť resp. ako sa im dá predchádzať,“ hovorí Archie Velian, odborník na gamifikáciu v oblasti kybernetickej bezpečnosti z IT spoločnosti ANECT.

Kybernetická hra je medzi žiakmi zameraná na reálne situácie, ktorým sú mladí ľudia vystavení. Ide napríklad o tzv. deepfake, phising, ale aj challenges (výzvy), ktoré môžu byť nebezpečné, upozorňuje tiež na následky spojené so zdieľaním intímnych fotiek a prináša viaceré bezpečnostné rady v oblasti používania hesiel, ako aj ďalšie konkrétne tipy zamerané na podporu kybernetickej bezpečnosti.

Riziká verejných Wi-Fi sietí a slabých hesiel

Hoci sú digitálne bankové technológie a aplikácie bezpečné a podľa prieskumu Eurobarometra sa online bankovníctvo teší dôvere 61 % Slovákov, dôležité tiež vedieť, ako tieto nástroje používať a ako sa chrániť pred možnými hrozbami.  V prípade, že využívame online služby je dobré vyhnúť sa verejným wifi sieťam. Tie sú totiž častým miestom, kde môže dôjsť k zneužitiu citlivých údajov.

V prípade, že v mobile využívame bankové aplikácie či iné aplikácie, v ktorých máme údaje z platobnej karty, odporúčajú odborníci mať smartfón zaheslovaný. Silné heslá sú pritom dôležité aj z pohľadu využívania rôznych ďalších online služieb.  Ideálne  je pritom využívať rôzne kombinácie písmen, číslic a špeciálnych znakov a heslá pravidelne meniť.  

V období narastajúcich e-commerce nákupov sa zvyšuje aj riziko tzv. phisingu. Útočníci často preberajú názvy kuriérskych alebo poštových služieb. Výnimkou však nie je ani zneužitie názvu bánk. Podvodníci môžu pritom zneužívať názvy bánk aj v súvislosti s rôznymi súťažami na sociálnych sieťach. Aj tu sa klienti môžu ľahko stať obeťou ich podvodu. Preto je dôležité podľa 365.bank sledovať na sociálnych sieťach len oficiálne bankové profily.

Zdroj foto: Freepik

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