旅遊有清單，保安一樣有

香港人熱愛旅遊，2017年在赴日本、泰國和澳洲等熱門地點的國際旅游上花費的金額高達255億美元 ¹ in 2017 to popular locations like Japan, Thailand and Australia. With so many of us taking flight, it's important to make sure you protect yourself and your money while you're away from home. Here's a handy checklist you can take along with your suitcases to keep cyber crime at bay:

We're not just talking about keeping your window shades up or your seats upright before the plane takes off; it's important to ensure your smartphones and laptops have up-to-date operating systems and apps. These fraud prevention security measures are the first step in 抵禦惡意程式 and other online threats and once you're abroad it might be tough finding Wi-Fi so you can download all your updates. Once you've got that covered, consider the extra measure of ditching your physical token and 轉用流動保安編碼 . It'll ensure you have the top level of security for online banking, and you'll have one less gadget to carry with you.

Keep your digital devices – smartphones, laptops, tablets, and your security device – locked and secure with a password, fingerprint or facial ID at all times. Strengthen your mobile security by shortening the time your smartphone's auto lock mechanism takes to kick in, so strangers have less of a chance to grab hold of your mobile's active screen and apps.

更加有效的方法是︰不要將裝置放在您的視線範圍以外，應該時刻看管您的裝置，或將它放在酒店的保險箱內，確保安全。

Personal data protection is pivotal. Never share the passwords or pin numbers for your devices, credit cards or debit cards with anyone. And don't save those passwords on your device either, or write them on post-its or notepads. Use a different password for each device, and don't use your online banking password for anything else. Choose one that will be easy for you to remember, but don't make it a normal word or phrase and don't use things that are associated with you, such as pet names, children’s names or the city you live in. Instead, use a (seemingly) random combination of at least eight letters (both upper and lower case), numbers and symbols. It might look like hieroglyphics to a stranger, but it could hold a special meaning for you so you can easily remember it. Need some inspiration? 不妨參考我們關於建立安全密碼的建議？

免費Wi-Fi可以省下當地數據計劃費用，無疑非常方便，卻會威脅您的個人資料安全。而使用未經加密的網絡，就更加危險。即使您只是用來檢查電郵、使用社交媒體，仍然有機會洩露個人資料。但如果您必須用酒店的Wi-Fi上網，應該避免到訪任何包含或要求您提供個人資料的網站或資訊。

有些場所會主動搜尋啟用Wi-Fi或藍牙功能的裝置，在收發範圍內記錄您的行蹤。為了避免這種情況，在不使用Wi-Fi或藍牙功能時，就應該將它們關掉。

如果需要使用酒店商務中心的電腦、打印機或電話，不要用它們傳送敏感資料或私人資訊。在公用電腦登入賬戶前，應先確保這些網站或瀏覽器不會儲存自己的登入資訊，因為您不會知道接著誰會使用這部電腦。用完之後，徹底登出所有頁面，特別是銀行或電郵賬戶。

如果旅程中要使用自動櫃員機，在插入銀行卡前，應該仔細看看櫃員機。近年，有不法分子在自動櫃員機裝設十分像真的「空殼機」，又曾在櫃員機加裝讀卡器。當您把銀行卡插入「空殼機」或讀卡器時，騙徒就能知道卡上的資料和PIN碼。

Even if an ATM looks legitimate and is branded as that of a reputable bank you recognise, check for signs that it might be a fake. Does the pin shield detach easily from the machine? Are there two slots instead of just one insert your card into the machine? Are the arrows directing you to insert your card positioned oddly and does the keypad feel strange to the touch? Does any part of the ATM look like it's been tampered with and does it look different from the machine next to it? If so, don't use it.

Your safest bet is to use an ATM in a branch, during bank hours. That way, if the machine eats your card, you'll be able to talk to bank staff about getting it back immediately. If that happens at a different ATM, you'll need to call our customer support hotline and let us know, but you might be without your card for the rest of your trip.

然而，即使您肯定所用的自動櫃員機毫無問題，仍然需要提防那些偷看的人。不法分子或者裝在「有利」位置的鏡頭，可能會偷看您輸入銀行卡密碼。所以使用自動櫃員機時，應該提高警覺，盡量遮掩輸入的動作，令其他人看不到您的密碼。 不妨了解一下安全使用自動櫃員機陷阱的方法。

記得在旅程時刻保管好個人財物，特別是在不同城市之間穿梭時，更加要小心。最好不要把現金、信用卡、扣賬卡、手提電腦、手機和護照放在同一個地方。如果不幸遇上扒手，您可能會損失慘重，也會讓扒手一下取得您更多私人資料。在人多擠迫的地方，或可能會分心時（例如與大夥進餐或者在熱鬧的市場購物），一定要打醒十二分精神。

踏上回程客機，不代表網上保安已經完成。如果您在海外用過當地網絡或Wi-Fi，間諜軟件可能已經潛藏在您的手機和手提電腦之中。回家後，應盡快把保安和防毒軟件更新至最新版本，並更改裝置的密碼。

希望這些錦囊能夠幫您確保境內和境外的網絡安全。只使用一個錦囊，保護未必足夠，但如果多管齊下，就可以保護更多資料，令網上犯罪分子更難掌握您的身分資訊、製造騙局。 我們還有許多其他建議，幫您更加安全地理財。

正在計劃旅程？ 不妨看看我們其他的安全旅遊訣竅。 Bon voyage!

¹ Source: Media Outreach article