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    How Modern Technology Protects Your Data

    By Stephen Sellner | Citizens Bank Staff

    Keeping your personal information secure is important, for obvious reasons. Fortunately, advances in technology have made it easier to keep your most precious information — bank account numbers, Social Security number, and so much more — protected from cybercriminals.

    It’s no longer enough to merely add a capital letter somewhere in your password to keep your information safe. The game has changed.

    Read on to learn how modern technology protects your data against fraudsters.

    1. Digital wallets

    Apple Pay® and Samsung Pay are not only convenient ways to pay, but great ways to keep your card information protected. That’s because all transactions through digital wallets are tokenized.

    What is tokenization, you ask? It’s when sensitive data — in this case, your debit or credit card number — is replaced by a unique, random combination of numbers. These numbers change with every transaction and have no direct tie to your card numbers; therefore, there’s no usable data for cybercriminals to steal.

    Once your transaction is complete, the token becomes obsolete. It essentially acts as a one-time credit or debit card number. If you have a different card number for every purchase, there’s no reason to worry about someone having that number. That’s the power of tokenization.

    2. Biometrics

    Most of us have biometric defenses on our phones or other devices, like facial recognition software or fingerprint readers. Biometric security measures add a level of authentication when you unlock your phone or open an app — you know you’re you, and now your phone does too. That’s the whole intent of passwords anyway, right? To make sure you are who you say you are.

    These biometric protections might be annoying when your friends or family members need to get into your phone to, say, change the song on Spotify. But it should be an inconvenience you can rationalize since you know it’s there to protect your information.

    3. Two-factor authentication

    Two-factor authentication might sound complex, but it’s actually quite simple. It’s an additional security measure that requires you to validate your login twice before gaining access to an app or website. 

    For example, you go to your credit card app and input your username and password. You then get a text from the credit card company with a unique PIN that you need to input. That PIN is the second factor in the two-factor authentication.

    This provides additional security since cybercriminals would need your phone along with your username and password to get into your account. Without your phone, they won’t be able to complete the second form of authentication and therefore not be able to log in.

    Want to have two-factor authentication for all your apps and accounts? Check out Google Authenticator™ or other apps that offer this security feature.

    What to remember

    Modern technology continues to add more security layers that stand in the way of cybercriminals accessing your most personal information and using it how they please. Adding one or more of these services will help you mount the best defense that you can.

    More information

    Find out how Citizens Bank keeps your personal information protected.

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