{"id":19593,"date":"2021-09-01T12:09:05","date_gmt":"2021-09-01T11:09:05","guid":{"rendered":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/digilearn\/?p=13611"},"modified":"2021-09-01T12:09:05","modified_gmt":"2021-09-01T11:09:05","slug":"consume-spending-2","status":"publish","type":"post","link":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/2021\/09\/01\/consume-spending-2\/","title":{"rendered":"Consume: spending money online"},"content":{"rendered":"<section id=\"builder-section-text_11\" class=\"builder-section-first builder-section builder-section-text builder-section-next-panels builder-text-columns-2 layout-8\" style=\"background-size: cover;background-position: center center\">\n<h3 class=\"builder-text-section-title\">\n        Overview    <\/h3>\n<div class=\"builder-section-content\">\n<div class=\"builder-text-row\">\n<div class=\"builder-text-column builder-text-column-1\" id=\"builder-section-text_11-column-1\">\n<div class=\"builder-text-content\">\n<p>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.<br \/>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 &#8216;influencer&#8217; is being paid to promote products to them?<\/p>\n<p>\u00a0<\/p>\n<p><a id=\"ttfmake-1666278184\" class=\"ttfmake-button\" style=\"background-color: #171717;color: #ffffff;font-size: 20px;font-weight: bold;padding: 4px 10px;border-radius: 100px\" href=\"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/digilearn\/2023\/02\/16\/cyber-toolkit-consume\/\" data-hover-background-color=\"#171717\" data-hover-color=\"#ffffff\">back to Consume<\/a><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"builder-text-column builder-text-column-2\" id=\"builder-section-text_11-column-2\">\n<div class=\"builder-text-content\">\n<p style=\"text-align: center\">\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section id=\"builder-section-panels_121\" class=\"builder-section-prev-text builder-section builder-section-panels builder-section-next-panels accordion-mode\" style=\"background-size: cover;background-position: center center\">\n<h3 class=\"builder-banner-section-title\">\n\t\tInternet safety risks and considerations\t<\/h3>\n<div class=\"builder-section-content\">\n<div class=\"ttfmp-accordion-container\" data-height-style=\"\" data-start-collapsed=\"true\">\n<div id=\"ttfmp-panels-item-title-panels-item_129\" class=\"ttfmp-panels-item-title\">\n\tAccess<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_129\" class=\"ttfmp-panels-item-content\">\n<p>In order to spend money online, learners usually need access to:<\/p>\n<ul>\n<li>an internet-connected <strong>device<\/strong><\/li>\n<li><strong>funds<\/strong>, such as a bank account, credit card or game funds card<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>When supporting learners with this area, it is important to consider <strong>who controls their access<\/strong> to these opportunities and resources:<\/p>\n<ul>\n<li>Is there a risk of this occurring in school?<\/li>\n<li>How is that enabled?<\/li>\n<li>Are there steps that could be taken to reduce the risk of this?<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>If it is an out-of-school risk:<\/p>\n<ul>\n<li>How can the school support with this?<\/li>\n<li>Is support required for families or learners?<\/li>\n<li>Who can support with this: Community Learning and Development or Police Scotland?<\/li>\n<\/ul>\n<\/div>\n<div id=\"ttfmp-panels-item-title-panels-item_170\" class=\"ttfmp-panels-item-title\">\n\tPotential risks<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_170\" class=\"ttfmp-panels-item-content\">\n<p>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.<\/p>\n<p>Topics to explore with learners might include:<\/p>\n<ul>\n<li>the risk and impact of losing money to scams, fraud and theft online<\/li>\n<li><a href=\"https:\/\/www.scotland.police.uk\/advice-and-information\/internet-safety\/online-shopping\/\">how to shop and spend more securely online<\/a><\/li>\n<li>how advertising and influencers work, and how to be smarter about their spending<\/li>\n<\/ul>\n<\/div><\/div>\n<\/p><\/div>\n<\/section>\n<section id=\"builder-section-panels_280\" class=\"builder-section-prev-panels builder-section builder-section-panels builder-section-next-panels accordion-mode\" style=\"background-size: cover;background-position: center center\">\n<h3 class=\"builder-banner-section-title\">\n\t\tCyber resilience guidance\t<\/h3>\n<div class=\"builder-section-content\">\n<div class=\"ttfmp-accordion-container\" data-height-style=\"\" data-start-collapsed=\"true\">\n<div id=\"ttfmp-panels-item-title-panels-item_281\" class=\"ttfmp-panels-item-title\">\n\tDevices<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_281\" class=\"ttfmp-panels-item-content\">\n<p>The first potential vulnerability when spending online is the device not being securely set up. Check with learners that they have:<\/p>\n<ul>\n<li>a <em>screenlock <\/em>that requires a passcode or biometric (face or fingerprint) to log in to stop <strong>unauthorised access (hacking)<\/strong><\/li>\n<li><em>the latest operating system<\/em> (usually iOS, android or Windows) installed as this usually fixes <strong>potential security vulnerabilities<\/strong><\/li>\n<li><em>antivirus software installed<\/em>, turned on and updated to reduce risk of <strong>viruses or ransomware<\/strong><\/li>\n<li>installed apps from approved providers, such as <em>App Store<\/em> or <em>Play Store<\/em> to avoid <strong>malicious content<\/strong><\/li>\n<li>only using <strong>secure websites<\/strong> that have the <em>padlock symbol<\/em> and <em>https in the address bar<\/em><\/li>\n<\/ul>\n<\/div>\n<div id=\"ttfmp-panels-item-title-panels-item_282\" class=\"ttfmp-panels-item-title\">\n\tAccounts<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_282\" class=\"ttfmp-panels-item-content\">\n<p>When setting up and using accounts with access to funds, such as shopping, gaming or streaming, users should:<\/p>\n<ul>\n<li>stick to well-known platforms that other people use regularly, such as supermarkets and apps from the app store or Play store<\/li>\n<li>use review sites, such as <a href=\"https:\/\/uk.trustpilot.com\/\">Trustpilot,<\/a> when using a new or less well-known app<\/li>\n<li>consider using a separate email account form the one used to access their bank<\/li>\n<li>use a stronger password including <em>three random words<\/em> and not share this with anyone<\/li>\n<li>use 2FA or additional security features when available<\/li>\n<\/ul>\n<\/div>\n<div id=\"ttfmp-panels-item-title-panels-item_378\" class=\"ttfmp-panels-item-title\">\n\tReport and support<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_378\" class=\"ttfmp-panels-item-content\">\n<p>Anyone who believes they have been a victim of scams, fraud or theft should report it to Police Scotland by phoning 101.<\/p>\n<p>Whether a victim or not, <a href=\"https:\/\/www.ncsc.gov.uk\/collection\/phishing-scams\">all potential scams should be reported to the National Cyber Security Centre (NCSC)<\/a> who will investigate and then remove or block the scams so that others do not fall victim.\u00a0<\/p>\n<p>If money has been stolen, or personal details accessed from a financial account, then contact the bank or service provider immediately and then update login details such as email address, password and 2FA.<br \/><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-17649\" src=\"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/public\/myexampleblogversion2\/uploads\/sites\/9784\/2021\/09\/04123008\/101.png\" alt=\"call police on 101\" width=\"208\" height=\"221\" \/><\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/section>\n<section id=\"builder-section-panels_160\" class=\"builder-section-prev-panels builder-section builder-section-panels builder-section-next-text accordion-mode\" style=\"background-size: cover;background-position: center center\">\n<h3 class=\"builder-banner-section-title\">\n\t\tResources\t<\/h3>\n<div class=\"builder-section-content\">\n<div class=\"ttfmp-accordion-container\" data-height-style=\"\" data-start-collapsed=\"true\">\n<div id=\"ttfmp-panels-item-title-panels-item_161\" class=\"ttfmp-panels-item-title\">\n\tResources for younger learners<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_161\" class=\"ttfmp-panels-item-content\">\n<p>The National Cyber Security Centre <a href=\"https:\/\/www.ncsc.gov.uk\/files\/Shopping-online-securely-infographic.pdf\">infographic for Shopping Securely Online<\/a><\/p>\n<p>There are downloadable resources on the MoneySense website about How to Pay for Things and How Can I Keep My Money Safe? &#8211; <a href=\"https:\/\/natwest.mymoneysense.com\/teachers\/remote-learning\/\">Money Sense Teaching Resources<\/a><\/p>\n<\/div>\n<div id=\"ttfmp-panels-item-title-panels-item_162\" class=\"ttfmp-panels-item-title\">\n\tResources for older learners<\/div>\n<div id=\"ttfmp-panels-item-content-panels-item_162\" class=\"ttfmp-panels-item-content\">\n<p>All Scottish secondary schools received copies of the Your Money Matters textbook. These resources (chapters 5 and 6) can be used to cover the contexts of spending and managing money online. <a href=\"https:\/\/www.young-enterprise.org.uk\/your-money-matters-scotland\/ppts\">Your Money Matters Scotland &#8211; PowerPoints<\/a><\/p>\n<p>Online course with badges &#8211; learn how to setup, spend and manage online spending <a href=\"https:\/\/digital.wings.uk.barclays\/our-digital-courses\/transacting\/\">Transacting | Digital Wings (uk.barclays)<\/a><\/p>\n<p>\u00a0<\/p>\n<p><a href=\"https:\/\/www.ncsc.gov.uk\/collection\/phishing-scams\">Phishing: Spot and report scam emails, texts, websites and&#8230; &#8211; NCSC.GOV.UK<\/a><\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Overview 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 &hellip;<\/p>\n","protected":false},"author":58310,"featured_media":17736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[145,98],"tags":[],"class_list":["post-19593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consume-teacher-toolkit","category-waiting","eportfolio_category-none"],"jetpack_featured_media_url":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/public\/myexampleblogversion2\/uploads\/sites\/9784\/2023\/02\/04123010\/Banner-Images.003.jpeg","_links":{"self":[{"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/posts\/19593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/users\/58310"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/comments?post=19593"}],"version-history":[{"count":0,"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/posts\/19593\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/media\/17736"}],"wp:attachment":[{"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/media?parent=19593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/categories?post=19593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.glowscotland.org.uk\/glowblogs\/myexampleblogversion2\/wp-json\/wp\/v2\/tags?post=19593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}