1. Knowledge: submit details only in an HTTPS website, avoid opening attachments from unknown email domains, use 2FA, don’t fall for offers, prizes etc. 2. Discipline: avoid easy to remember passwords, keep apps/OS updated, install apps from verified sources, check bank statements regularly. 3. Tools: use good cybersecurity products, use the virtual keyboard to enter passwords, turn off transmitting features (Bluetooth etc), backup data regularly.

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