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How to protect your E-commerce against fraud

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Beautiful young woman shopping over internet

E-commerce has been a big deal for a while now, but with the heavy reliance of virtually the whole world on online shopping, trading, and other forms of business transactions that happen on the internet, there is a higher level of risk involved with running and maintaining an e-commerce website. This is the reason why you need to make sure that your e-commerce platform is totally protected at all times. The major threats to your business are online scammers. According to a survey carried out in 2016, online scams have increased by more than 25%- American Express. With more people having access to the internet, your E-commerce site is also open to a higher probability of being a target of a scam. This kind of problem is compounded even more in the month of black Friday and Cyber Monday. 

You might be wondering what fraud on your e-commerce website is all about. There are many situations that are regarded as fraud in the e-commerce space. Some of them include

  • Business E-mail compromise (BEC): This type of scam involves successfully attacking a verified business with the use of email and other systems of digital communication
  • Identity theft: some internet fraudsters could make use of a stolen or a totally made up identity to carry out transactions on an e-commerce store.
  • Data spill: In this case, sensitive information is stolen from the server of a company like an e-commerce store for instance, or even from various customers and the stolen data would be used for fraudulent activities.
  • E-mail Account compromise (EAC): In this kind of attack, the email of a customer is compromised and then that email is used to purchase goods on an E-commerce website.

There are several other types of cyber frauds that could affect your E-commerce store, but the important thing is knowing how to prevent those attacks.

Ways of preventing cyber fraud

Security updates

When setting up your E-commerce store, there is a likelihood that you already opted for an SSL certificate to offer data encryption and domain name verification and choose multi domain SSL certificate to save extra cost. However, apart from simply obtaining an SSL certificate, you need to make sure that all your software is updated at all times, to ensure that you are free from any malicious attack that can cripple your e-commerce management system, or allow exploitation of your system’s security. You can easily keep your catalog up to date and secure from illicit purchases by fraudsters with the use of a Product Information Management (PIM) tool. 

IP tracking

Some of your customers and clients might opt for the use of a secure VPN service to ensure their privacy and protect their data from being exploited. However, even though this is good for your customers, it might prevent you from being able to know the exact location from which a person is initiating a purchase. This is where using an IP address tracking tool comes in, with this you can track the address from which the purchase was made, and if it was made or trying to be made from a located that has been blacklisted for fraudulent activities, then you can block the transaction. Cyber scammers always take advantage of the buying frenzy during periods like Black Friday and Cyber Monday to bypass the system, as most online stores usually relax their security measures a bit in favor of making more sales. You should ensure that you always perform an IP check for any purchase carried out on your platform.

Make use of CVV and AVS verifications

CVV stands for ‘card verification value’, and this is the 3 digit number written at the back of credit cards to ensure that even when the card number is stolen, the CVV can offer an extra layer of protection since you need to be physically holding the card to get this number. You can easily configure an app or a service to help you perform these kinds of checks on your E-commerce platform.

AVS stands for ‘address verification system’ this is usually installed like an extra layer of security to the CVV. AVS performs a check in the background while not asking for any further details from your client, it checks if billing address given on your platform matches the one registered for the credit card. This can help you fish out fraudsters easily when the billing address is in a different Country from the one registered on the credit card. Further verification can be requested if this is the case.

Back up your contents

Like I stated above, fraud could come in different forms, and one of them is the actual jacking of your website. In the event that your website is hacked and the existing content of the website is tampered with, and your business suffers a great loss as a result of this. It is necessary and business-saving to have all of your existing content backed up in real-time on a secure cloud platform. So that this way, you can easily close down the existing platform and launch a new one free of the hacker’s code. 

Watch out for High-Risk regions

Regardless of the country, your e-commerce website is hosted in, the moment you launch it, you are opening it up to the global market on the internet. This means people from countries that have been flagged as high-risk regions due to the high level of fraudulent cyber activities that go on in that region will also want to shoot from your platform. As a form of precaution, you can prevent the purchase of any kind of goods and services on your platform from those regions, or you can require more verification options to enable a person from that region to buy from you. Some of those regions include Southeast Asia, the Middle East, Africa, Central America, and Western Europe. Yugoslavia has been flagged as the most high-risk country by most websites.

Conclusion:

One might not be able to totally prevent Frauds on an e-commerce website, but with the use of the options mentioned above, you can easily protect your E-commerce website from cyber scammers. One thing should be considered that every website should have SSL certificate on their website which you can get from SSL certificate provider to save customers from cyber intruders.

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Education

Five Benefits of Achieving a Master’s Degree

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five master degree

A master’s degree is a higher-level degree in a specific field of study, providing individuals with practical and professional mastery of the subject. You move on to get this degree specifically when your specialization demands it and then come to the various other factors. For example, if you are completing your bachelor’s in any of the engineering subjects, such as aerospace, civil, electrical, or mechanical engineering.

A master’s degree in such subjects serves you high whether you opt to be a practitioner or a teacher for which you may be utilizing STEM teaching tools.

For some, it might end up being a difficult decision to pursue a master’s degree because it is two more years of being at a university. You could find yourself stuck between starting your career and wanting to get admission for a master’s degree to be better in your field. However, you do not have to worry. We have come up with five significant benefits of achieving a master’s degree, which will help you see a clearer picture. Once you know what a master’s degree can offer you, it will be easier for you to make the decision

Career Advancement

Having a master’s degree can make you get more senior positions while applying for a job. Because once you get a master’s degree, you get practical within your field of study and become equipped with problem-solving skills.

With a master’s degree, your resume stands out, which makes it more likely to be considered seriously. More and more employers are raising their educational standards as per the need of the time. So, with a master’s degree, you are not only likely to get a better position but get it smoothly.

Moreover, with a bachelor’s degree, sometimes you are required to attend different pieces of training to get the right job positions. But if you have a master’s degree, you can get the place directly.

Rise in Salary

What better benefit than the rise in salary? It is the benefit because of which most of the students opt for a master’s degree. With a master’s degree, your potential earning increases to 35 percent in most of the jobs. The percentage increases to 65 if your major is in any of the STEM subjects. With a master’s in the medical profession, your salary gets a boost of 137 percent as compared to the individuals who only have a bachelor’s degree.

Moreover, a better salary leads to a better lifestyle. A master’s degree gets you more job opportunities too. These reasons make it essential for an individual to have a master’s degree.

Better Understanding of your Field of Study

A master’s degree provides you an in-depth knowledge of your subject. It allows you to research your chosen category. Also, a master’s degree is about enhancing your professional skill set. As per the reports, the master’s degree makes you a lifetime learner. It entails that your interest in studying and researching increases to a point where you want to gain new knowledge in your free time.

This way, a master’s degree is a fantastic way to not only advance your career with a rise in salary but also a chance to study what you love the most.If you do not have enough time to get back to a university for a master’s degree, you can check for myriad online options too.

Adds up to your Credibility

A master’s degree automatically ensures your employer that you are an individual with a professional skill set. It entails that you are a problem-solving person who knows well how to do and manage big tasks. An employer is always happy to have a person work for him who is ready to play big instead of someone who needs a lot of support to do the job efficiently. Moreover, it tells you that you know your field of study well.

Spreads your Network

One of the most significant benefits a master’s degree is the network you can build with professionals in your field of study and various industries. Often a master’s degree allows you the opportunity to intern for considerable companies in your area of interest. It leads you to make a vast social network that can assist you in kick start your work as soon as you graduate. Many of the professors at the master’s level are industry owners who can also help you out in much better ways than you can imagine.

Final Words

These benefits are strong enough to persuade anyone to go on their favorite university’s website and fill out their application, but wait! Going for a Master’s is not always beneficial for you.

It is your personal choice depending on where you stand after your bachelor’s degree. So, here is a list of questions Forbes has compiled for you to ask before you sign up for a master’s degree. Once you have chosen to walk on that path and take out two more precious years of your life to spend at a university, you cannot take it easy! So, here is what you should do before you start your classes. Pursuing a master’s degree has always been similar to that question, Shakespeare posed many years ago: To be or not to be. However, if you want to go for a master’s degree in your field, go for it! Forbes presents an article in defense of achieving a master’s degree, which might be helpful for you to read. Good Luck!

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Effective Tips that Help to Choose Best Bread Toaster

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bread toaster

Breakfast is supposed to be the most important meal of your day and it could pretty much influence the quality of the rest of your day. When it comes to breakfast, bread is not left far behind as it completes the meal and offers the much-needed carbohydrates for the day. You may love your bread toasted to perfection, but it could be challenging to have those perfectly toasted slices during the morning rush hours. This is when the need for a bread toaster comes into the picture.

One of the most useful cooking appliances to invest in is a bread toaster. If you are looking forward to buying one, here are some effective tips that can help you choose the best of the lot.

How Do You Like Your Bread?

It may sound like a simple question, but you would be surprised how specifically people answer this question. There could be different preferences for how bread is toasted for each member of your family. Hence, while choosing a bread toaster, make sure that it has different browning modes so that no one in the family is left disappointed.

Ensure Safety of Lifting Function

If you are investing in a new bread toaster, make sure that you keep the safety aspect as your top priority. Ideally, you should try and look for a high lifting function in a bread toaster so that you do not end up burning your fingers while pulling out toasted bread. It should be easily removable and allow you enough space to reach to small pieces of bread.

Consider the Slot Size

You may not buy the same variety of bread every time you visit the baker. Sometimes the bread could be thinly sliced and sometimes it could be thick. This doesn’t mean that the toaster does not allow you to toast your bread because it won’t fit in the slots. Always go for a bread toaster that has wider slots so that you can fit in any size or thickness of bread slices.

Detachable Crumb Tray

After toasting bread to the right crispness, you may have some crumbs lying down in the toaster. If you do not clean these, it could start decaying and result in hygiene issues. The best solution for this is to opt for a toaster, which has a detachable or removable tray. This will allow you to easily get rid of the crumb mess without worrying about other cleaning methods.

Multiple Functions Are a Plus

When you invest in cooking appliances, you must always look for multiple functionalities so that you can have a better return on your investment. When it comes to a bread toaster, options such as reheat function and defrost function can allow you to do much more than just toast a slice of bread. You can reheat cold toasts without burning them and thaw frozen bread with ease.

Bread toasters come at very economical prices and turn out to be great value for investment. A good quality model even comes in a compact size, which won’t use up much of your countertop space. Always ensure that you buy a bread toaster from a well-known brand that is reputed for manufacturing high-quality cooking appliances.

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10 Of The Best Government Exams To Ace In 2019-2020

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free Job Alert

A lot of us aspire to have government jobs after graduation. It is a very confusing time when we do which know which exam to take to land the government job of our dreams. By attaining the minimum eligibility criteria, we all can make it through the examinations with sheer hard work. But what if people do not know which test to work for? Here are the top 10 competitive exams in 2019-20 to aim for to get a government job:

1. Indian Civil Services

Indian civil services provide highly honorable central government jobs. They include roles in the Indian administrative service (IAS), Indian police service (IPS) and Indian Foreign Service (IFS) among others. Civil service has all the traits of an ideal government job. The IAS exam is a must for this position. A degree is a necessary qualification for this examination.

2. Indian Engineering Services

Indian Engineering Services exam is among those exams that fulfill the technical prerequisite of the Government. Engineering officers for IES are selected based on the IES Preliminary, IES Main and Personality Test. Depending upon the merit of competitors in the IES exam, the applicants get placed by the Union Government for the vacant offices. The work for an engineering officer selected through the IES exam depends on the branch of engineering he/she has a degree in.

3. Public Sector Undertaking

A job in a PSU is nothing less than that of a king’s life. With high payment and lesser work stress than that of a private appointment, it is one of the most senior sought-after jobs in India. Every PSU has its own set of examinations for the recruitment process. They usually include written reviews and interviews rounds for technical as well as personality tests. In case, the applicant misses out on the details, free Job Alert is available to jog up the memory.

4. State Civil Service

State Public Service Commission (PSC) is constructed by the Indian Government to facilitate the recruitment of eligible individuals for numerous administrative openings in the State Government. State PSCs conduct periodic and special exams as per requirement. The selection procedure generally comprises of an initial test followed by Mains and finally Personal Interviews.

5. Banking

Getting a job in the Banking sector has been one of the most popular career paths for a long time now. Numerous aspirants toil all year round to sit for exams like IBPS PO, IBPS Clerk, IBPS RRB, SBI PO, RBI Grade etc. Their final aim is to get a job in one of the best banks in the country. These exams are conducted on a national platform all year.

6. Recruitment Exams for Indian Railways

The Railways Recruitment Board or the RRB has the most number of vacancies annually for government jobs. To fill these positions, recruitment exams are held for varied positions. The Zonal railway’s recruitment exams also take place for specific vacancies. These posts offer financial stability and job satisfaction, especially for engineers. Mp govt job notifications and Free Job Alert for railways jobs are available so that you never miss an opportunity.

7. Government Professorship

Exams like UGC-NET have to be cleared to be eligible for a professorship in a government college or university. It is highly honorable with good pay and enough holidays. Exams on central as well as state levels are available to be taken.

8. Insurance

After appearing for government exams, the position of Assistant Administrative Officer (AAO) is offered. Departmental administration is the primary responsibility of the officer. Insurance companies like LIC and NIC focus mainly on the aptitude and awareness of the candidates.

9. Indian Army and the NDA

There are numerous techniques as well as non-technical jobs available for serving your country. The Indian army has parts like Combined Defense Services and the National Defense Academy conducting different competitive exams for eligibility. They have perks for the family of the employee as well.

10. SSC

The Staff Selection Commission is responsible for conducting the CGL exam to work in various departments of the Government. A graduation degree is necessary to be eligible for this exam.

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Education

Pros of seeking short courses in Singapore

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short courses in Singapore

A short course has always been popular. And what better than doing the course abroad. Singapore has now become a popular destination among the students who are looking for brighter opportunities abroad. There are several short courses in Singapore among which students can select any. There are several benefits of doing the course here which have been discussed below.

Low cost    

The foremost thing that comes to mind the cost incurred while pursuing the course if your choice. As compared to Canada, USA, and UK, Singapore is easy on the pocket and allows a student to do the course at affordable rates.  Singapore has great infrastructure and the standard of education imparted is at par with international universities.

Get the required skills and certificate

When you have selected the course of your choice, you will be able to get the required skills and knowledge which is necessary for better opportunities.

Numerous Short Courses

Colleges and Institutes in Singapore render various kinds of short courses which are quite lucrative and opens up various kinds of avenues as well. It also gives you the chance to explore the area of study which you have not done earlier and always wanted to do it. Some of the top colleges offering the short-term courses are Singapore Management University, National University of Singapore, Singapore Polytechnic and many more. In order to get more details about the course like duration, fees, placement and more it is suggested to visit the website and read more about the information online.

Provide Idea About the Courses

There are instances when a student is not sure about the course or the field which he or she wants to pursue in the future, in this case, it is suggested that the student first undertake a short-term course and later decide if he or she is interested in the same or not. This will help in saving time and money both.

Getting in Touch with Learning

Even after complete a bachelor and Master’s degree, a student might feel doing more study, in this case he or she can take a short-term course in Singapore and further add to their knowledge and continue the process of learning as per their desire.

Short Duration

The plus of the short-term course is the duration of the course. It is generally varying from 6 months to I e year. After the completion of the course, a student is rewarded with the Diploma or the Certificate depending upon the type, of course, they had done.

Enhance Your Career

Even those who are working in assorted companies are required to do the short-term course in enhancing their career growth. With more certificates and diploma in hand, there is an increase in the chances of salary hike and promotion as well.

So, if you have been looking for a place where you can do a lucrative short-term course, Singapore will not let you down. This cosmopolitan city has a plethora of opportunities and vibrant lifestyles which is loved by all.

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Education

Should Education Cost as Much as it Does Now?

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UK School Tells 6 Year-Old’s To Write Gay Love Letters – To Promote Diversity

The cost of education at all levels, whether high school, college, or universities, has tremendously increased over the years. Even with these rising costs, lack of knowledge makes you stand no chance. The institutions of higher education are to blame for this, though they are providing quality education. They require that students learn how to handle academic papers like dissertation writing.

Education is an essential part of the economy, and the government gives grants in the form of student loans for people to attain higher education. If you want quality education, someone has to cater for the costs. This article digs deep into the changes in the education sector, read on.

More students

Without education these days, you are in a compromising situation. Students have increased in schools meaning more costs on their education. Comparing to medical costs, higher education is 4.5 times more expensive. Life gets more expensive every day. Institutions have increased their tuition fees, which leads to an increase in goods every year. The price index has jumped, and it will only get worse over the years. 

 As the costs go up, education has diversified in ways that are improving livelihood. Most students can now access education because of the government giving out student loans. For the case of America, the state struggles with a $1.4 trillion of student loans. This is why it becomes hectic for students to catch up after college. The institutions are doing a good job as the number of women pursuing education has gone higher. It has enabled sustainability among students.

Tuition fees

It has recently skyrocketed in institutions of higher education. With the narratives around talking about prices inflating and trying to gauge them, students stand a higher chance of attending colleges after their applications. The bill of rights has enabled the middle class to access higher education. 

The state is building the education sector together with the infrastructure. The number of colleges has also risen, considering the education system. The economy has inflated and affects the college education making the fees to go higher. The subsidization on loan programs made the colleges to turn elsewhere as student loans stagnate the economy.

Price

The country is reaching a point of crisis. Universities need to have discussions about the sticker prices. The student debt burden will weigh them down; hence, they have to find a way to reduce costs. In these talks, they have to be distinct about the burden and the amount the students have paid. Students who live away from home becomes expensive for them.

 They are comparing the universities in America and Australia. The ones in Australia have fewer dining halls and dormitories. The cost of living tends to be higher. American universities offer inefficient services at their universities, according to David fieldman, an economist. The easiest way for the university to make the cutbacks is to shift the cost of some students to those who are wealthier or find more affluent students.  

The state cutbacks have only made the universities to dwell on entrepreneurship. Some of the universities have started to enroll students from outside the state; this brought an increase to the number of international students. The rise makes the tuition fee to double and triple at some rate-making profits for the universities. The competition grew, so as the operating expenses. The long term commitments enabled the institutions to employ more staff, such as the maintenance staff, the building operation staff, lawyers, and fundraisers. According to the global rankings of the universities, the US has a lower ratio of comparing to how they pay their teachers and the non-teaching staff. 

Conclusion

The other countries pay teachers more than the other staff, but for the states, it’s a different scenario. The institutions have subsidized on the less affluent students by competing with the full freight students. These cutbacks did not happen evenly across the country; some universities are still struggling to maintain. Meanwhile, federal aid is mostly given to poor students. Students from four-year college have a more significant debt than those from private universities. The pricing of the tuition fee depends on the duration of the course. Some pursue a two-year course and a four-year course. Both of these have these ratings. The price of education is dear but worth it. Quality education is essential for everyone.

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