Sending KYC Document via Whatsapp is Safe or not?
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WhatsApp Banking safety tips
WhatsApp has become an important mode of communication for most of us. From personal to office chats, it's the most important tool of communication for a large number of people across the globe. It's over a billion user base has also made it a favourite of hackers and cybercriminals. Fraudsters often use this platform to dupe innocent users.
Here are a few simple safety tips that can keep us safe:
- Never send private information like bank account details, Debit/Credit Card PINs or Internet Banking passwords through WhatsApp
- Never respond to WhatsApp messages asking for OTP, however small the amount may be
- Never accept files or begin downloads from messages sent by strangers or from unknown numbers
- Deactivate WhatsApp if you lose your phone
- Always delete all WhatsApp and other data and restore factory settings on the phone before selling or discarding old smartphone
- Never respond to messages that come from unknown numbers on WhatsApp
- Don’t believe messages that claim they can connect your PC with WhatsApp and send messages from a desktop
- Keep automatic downloads on WhatsApp disabled, this ensures that you know what is being downloaded
- Avoid using WhatsApp when you are connected to open/public Wi-Fi networks.
The RBI has warned people against online KYC frauds and advised people not to share confidential information with unidentified agencies and people.
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Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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Do not share sensitive documents, photos, etc via Whatsapp. One major flaw that Whatsapp has is that when attachments are downloaded for viewing it gets saved in phone's storage which lead to other app getting access to those documents, photos and attachments. One can verify it with the fact that when one downloads a photo or video from a Whatsapp chat it can be viewed in phone's gallery app or other video player like VLC if installed. This is what creates a major issue with regards to sensitive attachments.
Signal is different in this regards as signal does not save any attachment to your device's storage directly, if you receive a photo/pdf/video on Signal you can only view that photo or video or pdf via signal app and your gallery or file manager or other apps will not have access to those attachment. To view those photos, videos, etc to file manager or gallery app you have to chose to do so and which is more often than not is not required because why would you want to fill your gallery with good morning, good night photos.
Also One fact that I believe almost everyone hopefully already knows that even Whatsapp uses Signal protocol for its e2e encryption and recently Google too has said that they will also use Signal Protocol for e2e encryption in RCS. Hence, when it comes to e2e encryption in messaging Signal certainly is a gold standard. Unfortunately all other company stores metadata to sell you to advertisers, but Signal doesn't store any metadata at all, while all other are for-profit companies Signal is run by Signal Foundation which is a non-profit with an objective to further cause of privacy and data protection.
Signal has all the good thing of whatsapp without facebook collecting any data or other apps on your phone getting access to your private media.