shopping LEARNING
The rise of online shopping, e-wallets, and digital transactions reflects the changing lifestyles of today’s society, supported by technological convenience and growing acceptance across various economic sectors. It offers a simple, fast, and modern cashless lifestyle, while simultaneously changing the way people shop and transact. However, the current challenge is the rise of digital fraud such as phishing, fake investment stores, and fake online platforms, requiring people to be more careful and wise in their transactions to stay financially safe from the threat of fraud.
Unfortunately, the development of digital technology is also exploited by irresponsible parties to commit fraud. One of the most common is online shop fraud, where buyers pay but never receive the goods or receive counterfeit products. Furthermore, there is phishing, which involves fake text messages or emails deliberately made to look official to steal personal data. Equally detrimental are fraudulent investments, also known as Ponzi schemes, which offer the promise of large profits but ultimately result in losses. In fact, illegal online loan apps have emerged, ensnaring victims with high interest rates and threats of personal data misuse.
In the digital age, we often encounter offers that sound too good to be true, from massive discounts to promises of multiplying investments. However, not all of these offers are genuine; some are simply fraudulent tricks designed to trap unsuspecting consumers. Therefore, being a smart consumer is key to resisting temptation, being able to discern information, and maintaining safe transactions. Furthermore, hoax information circulating in the digital world can lead to significant losses. Fake online stores, misleading advertisements, or phishing links are clear examples of how consumers can be deceived and lose money and even personal data simply because they are not careful.
Furthermore, being a smart consumer also means practicing discipline in personal financial management. By thinking and being critical, one can control spending, distinguish between needs and wants, and utilize digital technology to maintain financial stability. In the digital age, being a smart consumer is not just a choice, but an obligation. Don’t let your money and personal data fall victim to digital fraud! Always check the seller’s reputation, avoid the temptation of unreasonable prices, and activate double security in every transaction. Improve your digital financial literacy, because only smart consumers can protect themselves in this digital age.
Smart consumers are better protected, both from the risk of fraud and financial loss. Therefore, digital financial literacy should be seen as a primary need so that everyone can transact safely and wisely amidst the rapid flow of technology. Ultimately, digital financial literacy is no longer just an option, but a vital necessity for every individual in the modern era. In today’s digital age, people are easily helped because everything is fast and efficient, but sometimes things don’t match what they want in reality. For example, if you want to buy something online through an app. The image is great, the price is cheap, and the stock is still available. However, often what you receive doesn’t match the size, color, or shape you wanted. This can create new problems for online consumers. They may feel cheated, dissatisfied, and reluctant to use digital apps to purchase goods. Therefore, caution is needed when using apps in the digital age.
By: Egalita Nasya Reswara Putri
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