Strengthening Digital Security: What Home Credit Customers Need to Know about Cyber Hygiene

Sa panahon ngayon na halos lahat ay digital, mas madali at mas convenient na ang pag-manage ng ating finances. Pero kasama ng convenience na ’yan ay ang malaking responsibilidad. Bilang bahagi ng commitment nito sa ligtas at secure na financial transactions, pinaaalalahanan ng Home Credit, alinsunod sa guidelines ng Bangko Sentral ng Pilipinas (BSP), ang lahat ng customers sa kahalagahan ng good cyber hygiene.

Cyber hygiene refers to consistent practices and behaviors that help protect one’s personal and financial information online. In 2024, the Philippines recorded a digital fraud rate of 13.4%, mas mataas kumpara sa global average na 5.8%. This alarming gap highlights the urgent need for consumers to strengthen their online security practices, and as a valued Home Credit customer, mayroon kang mahalagang papel na protektahan ang iyong account. Here’s how you can do your part:

Banking and financial institutions (BSFIs), including Home Credit, offer built-in security features designed to protect your digital financial accounts. Kasama rito ang biometric logins, two-factor authentication, app lock features, at alerts para sa mga unusual na transaksyon. Siguraduhin na activated ang mga features na ito sa inyong Home Credit App. Never take security for granted—these tools are your first line of defense.

Bago gumamit ng ano mang digital platform, ugaliing basahin at intindihin ng mabuti ang mga terms and conditions. This helps you know your rights and responsibilities as a customer. More importantly, manatiling nakatutok sa mga educational campaigns launched by BSFIs at mga partners nito tulad ng Home Credit. These initiatives are designed to teach customers about:

• Security features of the app or platform
• Common fraud schemes like phishing, account takeover, and scam messages
• Best practices to avoid becoming a victim

Being informed is your best protection, mga Ka-HC!

Isa sa mga basic pero napaka-important rule ay ang hindi pag-share ng iyong username, password, PIN code, OTP, authenticator code, or any other login credential kanino man. Not even with people you trust. Ang mga details na ito ay private at confidential. Scammers nowadays pose as bank representatives or customer support to trick you into giving away sensitive information. If someone asks for these details—that’s a red flag.

A money mule is someone who allows their financial account to be used for illegal transactions, such as transferring stolen money. Lending or giving access to your Home Credit account or any financial account to another person may make you legally liable and could damage your financial record.
Huwag hayaan na gamitin ng ibang tao ang iyong account—kahit na sabihin pa nila na ito ay gagamitan para sa isang harmless na gawain. 

Scammers have so many ways to get what they want. Bukod sa pag-papanggap bilang mga bank representatives, gumagawa din sila ng fake websites, mobile apps, or messages that look very similar to real ones. Before logging in, sharing information, or making a payment:

• Check the website URL (should begin with “https://” and include the official domain)
• Download apps only from official app stores
• Verify contact details and email addresses using official channels

When in doubt, contact Home Credit through its verified customer service hotline, website, or app.

If you notice anything unusual—unauthorized logins, incorrect transactions, or suspicious messages—i-report ito kaagad sa Home Credit or the concerned BSFI. Early reporting can prevent further losses and helps authorities investigate and stop cybercriminals.

Maki-cooperate ng maayos during investigations para mapabilis ang proseso. Your prompt action makes a difference not only for your account, but for the safety of the financial system as a whole.

Sa pamamagitan ng pag-practice ng good cyber hygiene, hindi mo lang pinoprotektahan mo ang iyong pera kundi pati na rin ang iyong identity at digital reputation. As a Home Credit customer, always remain cautious, informed, and proactive. Let’s work together in building a safer financial ecosystem—one secure account at a time.

Stay cybersafe, and stay smart mga Ka-HC! For more tips on digital security, visit the official website of the Bangko Sentral ng Pilipinas, follow Home Credit’s official social media accounts, or download the Home Credit App on Google Play, the App Store, or Huawei AppGallery!