More and more of the money we spend is spent online or digitally. Whether that is debit card or Go Henry, mobile contactless with Google or Apple Pay, or online payments like PayPal and even cryptocurrency.
Learners need to understand the benefits and risks of using digital money and online accounts to make purchases. Do they understand the amount of targeted advertising that they are exposed to? Are they aware of when a social media ‘influencer’ is being paid to promote products to them?
- pressurised into purchases by targeted advertising, influencer promotions, or in-app/in-game microtransactions
- fake or misleading listings on apps such as eBay and Amazon
- cyber scams, such as phishing and ransomware
Becoming cyber resilient is the first step to being safer online. Talk to your learners about the devices and accounts that they use to access online information:
- do accounts have secure passwords with THREE RANDOM WORDS or are they using 2-factor authentication (2FA)?
- are they storing payment details on online accounts? This increases risk of overspending or impulse buying and also increases risk of having card details stolen if an account is hacked
- learners should be aware of cyber risks, such as phishing, hacking and malware (ransomware)
Being more cyber resilient reduces the risk of internet safety issues arising. We all want the internet to be a more welcoming space for children and young people and that is why we promote this positive message of safe, smart and kind.
With your learners:
- discuss the risk of scams and cyber crime to their finances and impact on their wellbeing if they lose money
- explore the pitfalls of overspending and how advertising and influencers work, and how to be smarter about their spending
- explain that cyber crime and scams hurt people and that they should be kind enough not to harm others this way