The growth of electronic commerce has radically transformed the way we carry out financial transactions, facilitating access to benefits and services around the world. However, this convenience has led to a significant increase in the risk of fraud, data theft and other cyber threats. The use of tools such as Virtual Private Networks (VPNs) is common in an attempt to protect these transactions; However, depending exclusively on them may not be enough. In this article, we will explore effective strategies that promote security in online transactions. Compreendendo as Ameaças: Além das VPNs. Many times, it is assumed that the use of a VPN is a definitive solution to protect online information. Meanwhile, it is crucial to understand that these methods are diverse and are not limited to unauthorized access to the network. Phishing, malware and ransomware attacks are only a few ways in which cybercriminals attempt to access users\' confidential data. Therefore, using a VPN can offer some privacy and encrypt your internet connection, it does not impede other inherent risks. Online transactions and implement multifactor authentication (MFA). This approach requires users to provide several forms of identification before accessing their accounts. This can include something that you know (a name), something that you have (a code sent to the cell phone or a hardware token) and something that you know (digital impressions or facial recognition). Although this method is not foolproof, it significantly increases the difficulty for invaders to compromise.

Practical MFA example

Let\'s consider an online banking platform. If a user attempts to log in on a new device, in addition to entering their username and signing in, they must receive a code on their cell phone to complete the login. This means that, just as an attacker obtains the user\'s information through techniques such as phishing, he or she would still need physical access to the user\'s phone to commit fraud. It is important to note that each additional layer requires more effort from the user; However, the security benefits justify this inconvenience.

Cryptography: Protecting Confidential Information

Cryptography also plays a crucial role in protecting online transactions. Ensure that any confidential information transmitted is encrypted to prevent hackers from intercepting data during transmission. Protocols such as HTTPS are essential to establish a secure connection between the user\'s browser and the web server. Likewise, advanced cryptographic technologies can be implemented by companies to protect information not only during transmission, but also when they are armed on their servers. An interesting example is the use of end-to-end cryptography in messaging applications such as WhatsApp or Signal, where only the participants of a conversation can read the exchanged messages. Applying this idea to the business environment, it could be implemented in e-mails with sensitive data to guarantee that only the sender and the recipient have access to these information.

User Education: A Fundamental Key

Despite the availability of advanced technologies and robust systems to protect online transactions, the human factor continues to be one of the greatest vulnerabilities. Continued education on safe practices and fraud detection is crucial. Information campaigns on how to reconnoiter suspicious e-mails or fraudulent SMS messages train fine users and give them the first line of defense against cyber attacks. without considering artificial intelligence (AI) and its growing role in cyber security. Algorithms capable of detecting unusual patterns can help identify fraudulent activities before they materialize. Also, biometrics continue to evolve, which can lead to secure authentication at unprecedented levels. high level of security due to its decentralized and immutable nature. The most conventional applications have been mainly in financial environments; However, we can imagine a future where every transaction is recorded and verified without the need of traditional intermediaries.