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Privacy & Security for Wealth Management Professionals

privacy security for wealth management professionals
privacy security for wealth management professionals

Cyber criminals across the globe are looking to steal your cell phone number!  Unfortunately, cell phone carriers aren’t doing enough when it comes to security allowing cyber criminals to exploit carrier loopholes and attack their favorite targets:  

  • High-Net Worth Individuals
  • High-Profile Influencers
  • Investigative Reporters
  • Financial Advisors
  • Attorneys & Doctors
  • Enterprise Customers
  • Anyone conducting financial transactions on a mobile device 

Once cyber criminals have your cell phone number, they’ll purchase your personal information and execute a SIM swap scam (also known as a port-out scam, SIM splitting, and simjacking, SIM swapping).  

This type of attack leverages a mobile phone carrier’s ability to port a telephone number to a device containing a different Subscriber Identity Module (SIM).  Typically, this occurs when a customer has lost their phone, had their phone stolen, or is switching service to a new phone. Victims of SIM Swap scams can end up losing their entire life savings, reputation & careers as a victim of this unique attack.

We’re bringing a 30-min session followed by a 20 min Q & A on this topic where we’ll cover

DATE: Wednesday, September 16th 

TIME: 9:30 AM Pacific Time / 12:30 PM Eastern Time (50-Minutes)

AGENDA:  

  • Risks around your current cell phone number
  • Basics of SIM Swap Attacks & how it’s performed
  • Common practices to mitigate it
  • What to do after being a victim
  • Q & A

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Nigerian government doing a poor job on water/sanitation and health care, citizens say

Even before the COVID-19 pandemic, a majority of citizens say they went without needed medical care and clean water at least once during the previous year, a significant increase compared to 2017, the latest Afrobarometer survey shows.

Only a minority of citizens live in zones with piped water and sewage systems. Among those who had contact with a public clinic or hospital during the previous year, significant proportions report difficulties in accessing health care or having to pay a bribe to obtain the needed care, a troubling finding that has been fairly consistent over the past four survey rounds.

The survey also shows that citizens’ approval ratings for the government’s performance in providing water and sanitation services and improving basic health services, already low, have declined further.

The findings on inadequate access to water, sanitation, and health care point to priorities for urgent action, particularly in the face of the COVID-19 pandemic.

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Is democracy in Mali dying? Not if citizens’ voices are heard

is democracy in mali dying not if citizens voices are heard

Massa Coulibaly is executive director of the Groupe de Recherche en Economie Appliquée et Théorique (GREAT) in Mali.

Carolyn Logan is director of analysis for Afrobarometer (@afrobarometer) and associate professor in the Department of Political Science at Michigan State University. Find her on Twitter @carolynjlogan.

E. Gyimah-Boadi is interim CEO of Afrobarometer. Find him on Twitter @gyimahboadi.

Originally published on the Monkey Cage blog.

In Mali, after weeks of large-scale demonstrations demanding that President Ibrahim Boubacar Keïta resign, the military settled the matter. Amid international condemnation of last week’s coup deposing Keïta, thousands of Malians celebrated in the streets.

With a military junta running the country, are Malians ready to give up on democracy? Here’s what Malians themselves have to say, based on a recent Afrobarometer survey.

The March-April 2020 survey revealed textbook conditions for a popular uprising as well as strong popular trust in the military — factors that may explain why many Malians seem to welcome, or at least accept, a coup as the country’s best chance to escape a downward spiral of corruption, poor services, and economic failure.

But this year’s nationally representative survey of 1,200 adults also found strong support for democracy and rejection of military rule, suggesting that Malians will try to hold coup leaders to their promise to call elections and transition back to civilian government within a “reasonable” period.

Deep dissatisfaction

Amid economic conditions that 81 percent of Malians described as bad, survey respondents were clear in their views that the country was off track, that corruption was growing and that their elected officials weren’t up to the job. Compared to two other recent Afrobarometer surveys in the country, Malians’ dissatisfaction has only grown deeper on these measures.

Figure 1: Views on country’s overall direction, corruption, and president’s performance | Mali | 2020

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Respondents were asked:

Would you say that the country is going in the wrong direction or going in the right direction?

In your opinion, over the past year, has the level of corruption in this country increased, decreased, or stayed the same? (% who said “increased somewhat” or “increased a lot”)

Do you approve or disapprove of the way that the following people have performed their jobs over the past 12 months, or haven’t you heard enough about them to say: The president? (% who “approved” or “strongly approved”)

Almost 9 out of 10 survey respondents (86 percent) in 2020 thought that the country was going in “the wrong direction.” Even among supporters of the ruling coalition, 82 percent agreed with this statement.

Three-fourths of citizens said corruption increased during the year preceding the most recent survey, including 62 percent who said it increased “a lot.”

Approval of the president’s job performance was at its lowest level (38 percent) since Afrobarometer started surveys in Mali in 2001. Citizens thought even less of their representatives in the National Assembly, whose approval rating stood at only 29 percent.

Malians have a high regard for the military

At the same time, the military is one of the most trusted public institutions in Mali. More than 8 out of 10 citizens said they trust the military, including 62 percent who trust it “a lot.” Even among opposition supporters (78 percent) and in regions battered by a jihadist insurgency since 2012 trust in the armed forces was high — 69 percent of respondents in Gao and 64 percent in Mopti said they trust the military. Far fewer trusted the president (47 percent), legislators (37 percent), the ruling coalition (38 percent) or opposition political parties (36 percent).

Figure 2: Trust in institutions and leaders | Mali | 2020

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Respondents were asked: How much do you trust each of the following, or haven’t you heard enough about them to say? (% who said “somewhat” or “a lot”)

Most Malians see the armed forces as effective; 80 percent of those interviewed in Afrobarometer’s nationally representative survey of 1,200 adults in 2017 said the military “often” or “always” protects the country from internal and external security threats. In the same survey, 69 percent of Malians agreed with a statement that the armed forces act with professionalism and respect for citizens’ rights.

Demand for democracy

But Malians also soundly reject military rule — 69 percent opposed vs 26 percent in favor in the 2020 survey — and express strong support for democracy. Almost two-thirds said they prefer democracy over any other political system, and even larger majorities disapproved of one-party rule (76 percent) and presidential dictatorship (87 percent).

Figure 3: Support for democracy | Mali | 2020

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Respondents were asked:

Which of these three statements is closest to your own opinion? 

Statement 1: Democracy is preferable to any other kind of government.

Statement 2: In some circumstances, a non-democratic government can be preferable.

Statement 3: For someone like me, it doesn’t matter what kind of government we have.

(% who “agreed” or “agreed very strongly” with Statement 1)

There are many ways to govern a country. Would you disapprove or approve of the following alternative: The army comes in to govern the country? (% who “disapproved” or “strongly disapproved”)

Which of the following statements is closest to your view?

Statement 1: We should choose our leaders in this country through regular, open, and honest elections.

Statement 2: Since elections sometimes produce bad results, we should adopt other methods for choosing this country’s leaders.

(% who “agreed” or “agreed very strongly” with Statement 1)

Importantly, even after failed democratic leadership, Malians remain committed to elections as the best way to choose their leaders (75 percent) as well as to the rule of law (80 percent) and presidential accountability to the National Assembly (77 percent).

What do these responses tell us? Outside observers have reason to be concerned that many Malians appear to prefer a coup to the prospect of waiting out the remaining three years of Keïta’s term. Yet, while Malians are eager to see a functioning government and thriving economy, it is equally clear that they reject military rule and see democracy as their country’s path forward.

For a more detailed analysis, please see Afrobarometer Dispatch No. 386, “Malians, though eager for change from failing state and economy, still demand democracy”.

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Poor Wi-Fi Signal on your iPhone XR? Lets Fix It! (2020 Guide)

poor wi fi signal on your iphone xr lets fix it 2020 guide
iphone xr poor wi-fi
Apple

The distance between a wireless router and your device could disrupt the iPhone signal. The Wi-Fi reception gets weaker with each distance made. It is suggested to move in closer proximity to the source of your Wi-Fi reception, while checking if the strength of the signal gets better.

The distance factor is just one consideration – there are other factors to consider as well, for instance, the Wi-Fi interruptions and software related factors. It could even be the hardware damage that disrupts the Wi-Fi signal on your iPhone XR.

What to do when you counter such issues on your iPhone XR?

Let’s take a walk together.

Turn the network equipment off and then on

This process is known as power cycling. Just like smartphones, power cycling of this equipment is necessary because there is a potential that these devices, for example, modem and wireless routers also give into system crashes and random firmware errors.

There are numerous symptoms that could transpire to interconnected devices. It could range from WiFi drops (intermittent connection) to no internet connection, or slow internet. It is prescribed to power cycle or turn OFF and then ON your device.

Turn it off for at least 30 seconds, just like you reboot your computer or reset your device. This act will eliminate any firmware errors causing the modem or router to mess up or trigger weak Wi-Fi on your phone.

Illustration:

  1. Toggle off the power button on your wireless router once you have located the power switch.
  2. Unplug the AC adapter for at least 1 minute or minimum 30 seconds.  
  3. Turn the device back ON when the time has elapsed.
  4. Let’s wait until your Wi-Fi signal indicator is stable.

Wait for your phone to revert back to the Wi-Fi network connection. Test if the bug has been fixed. Reboot your iPhone XR as a last resort.

Mess with your Airplane mode

Resort to perform the Airplane mode trick. It is alternative to power cycling your WiFi connections on your phone. Try these steps:

  1. Tap on Settings from your home screen and select airplane mode (you can see an airplane symbol).
  2. Turn ON this airplane feature. This will switch off your Bluetooth and Wi-Fi option by default.
  3. Once the airplane mode has been enabled, turn off your iPhone.
  4. Turn back this Airplane mode ON.
  5. Hold on till your iPhone boots up.
  6. Go to settings from your home screen and airplane mode, turn the feature ON.
  7. Wait till your Wi-Fi network connects, then check the signal strength.

Reconnect: Forget your Wi-Fi network

Phone connects to your Wi-Fi network by default, and could even connect to unsecured WiFi networks such as your neighbor’s network. Despite the connection, you may notice the signal strength getting weaker.

Tip – forget all saved WiFi networks, here’s how to do it:

  1. Tap on settings from your home screen and select Wi-Fi.
  2. Tap the “i” from the information icon next to the WiFi networks or the list you want to forget.
  3. Tap on the Forget this network option.
  4. Tap on forget to confirm – you can also select the Wi-Fi network that you want to delete.
  5. Delete all the save Wi-Fi networks.

Reset the network settings

Apply this option when the aforementioned has failed. This will have an impact on the current bluetooth and Wi-Fi connections, similar server settings, APN and restoring the default networks.

Here’s how to reset network settings:

  1. Navigate settings option from your home screen and select general.
  2. Tap reset (scroll down to find the keyword reset in general settings).
  3. Enter the passcode/PIN/pattern etc when you tap on the reset network setting option and confirm reset option.

Your XR version will instigate the network resetting settings and restore the options that are default. Once the reset has been completed, the device will be rebooted automatically in order to apply the changes you have made. Go to your wi-Fi settings to reconnect it (after re-enabling it) once the device boots up.

Reboot your iPhone XR Network as the last resort [Soft Reset]

This case is also applicable when the response of your iPhone to your network connection is fine initially but it starts acting up next moment, this means there are miscellaneous glitches impairing the performance of your iPhone’s signal system.

Here’s how you can soft reset it:

  1. Simultaneously hold the power and volume buttons for few seconds.
  2. You can see a slide to power off option as soon as you release the buttons → drag it to the right.
  3. Press Slide Button again once the phone boots up after 30 seconds.

For soft network reset try:

  1. Go to Wi-Fi menu after tapping on settings option and enable Wi-Fi if required.
  2. Select Wi-Fi network and add password, if prompted.
  3. Tap connect and see if the problem has been resolved.

Miscellaneous factors affecting the signal connections

  1. Make sure you have the later iOS version – the latest software update can fix Wi-Fi signal issues. This will also fix interrelated bugs and system errors. There’s a possibility that you may miss to view and download over-the-air updates because of your Wi-Fi interruptions on your iPhone. The synonym to this problem would be to use iTunes on your desktop version to check for the latest update. You can then download and install it.
  2. Thank you, iTunes! A master or factory reset may help clear out issues like connection errors and you can reset and restore your device through iTunes. You can restore the factory defaults and install the latest iOS update on your iPhone XR.
  3. Is your network reliable? There could be unscheduled or unposted outage problems other than device issues. You can call your provider and troubleshoot further. They can also reset your wireless router from their end if needed. Refresh once the desired actions have been performed and here you go!

BONUS – Manual DNS Setup on iPhone

This creates a massive impact, it is not always Wi-Fi reception but other issues like altering the DNS setting that would fix your issue. This is not a method to boost your Wi-Fi reception but a way to go through some other DNS to obtain data from the internet.

Here are few options and how to do it:

  1. Navigate to settings and tap on Wi-Fi and the ‘i’ icon to the right of Wi-Fi network connected name.
  2. Tap DNS and enter the DNS addresses:
    – Google – 8.8.8.8; 8.8.4.4
    – OpenDNS – 208.67.222.222; 208.67.220.220
  3. Restart the Wi-Fi.

This is the optimal thing, where automatically opted DNS does not always work, which is why using an OpenDNS (public version) or Google is suggested.

Hope this issue is now resolved and you are enjoying a better Wi-Fi connection on your iPhone! Hint: these steps can fix your iPad connectivity issues as well. Let us know in the comments section. Please also make sure that certain updates or immediate updates due to COVID-19 is in response to rising cyber threats amongst which is SIM swapping. Once you embed Efani in your device, you’re free of SIM swapping threats. Remember, privacy is a fundamental right! Stay safe.

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Angolans say women should receive equal pay for equal work, Afrobarometer survey shows

Two-thirds of Angolans say women should be paid as much as men for doing the same work, a new Afrobarometer survey shows. Men are just as supportive of equal pay as women.

A majority of respondents also assert that the two genders already enjoy equality when it comes to opportunities in education, jobs, and ownership of land.

However, women continue to lag behind men on other indicators relevant to economic parity, including educational attainment, financial decision-making power, and regular Internet use.
These findings point to efforts needed to meet the United Nations’ Sustainable Development Goal No. 5, “Achieve gender equality and empower all women and girls.” In 2019, Angola ranked 112th out of 129 countries on the Equal Measures 2030 SDG Gender Index.

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All About Vanity Numbers (2020)

all about vanity numbers 2020
vanity number
All About Vanity Numbers (2020) 20

It is not all about “vanity” only, instead a practical approach to advertise your business. The most memorized and popular number 1-800-FLOWERS stick to customer’s memory to this day with little to no effort at all. This attracts people around the globe.

Vanity numbers are best for your business branding and easy-to-remember for your prospective clients. We will be looking for a brief understanding of vanity numbers in this article and its usefulness for a business. The factors or consideration are to determine if the selected vanity number is appropriate for a business.

So without further ado, let’s get started.

What is a vanity number?

Since many businesses still consider telephonic channels to reach their potential clients, the mnemonic vanity numbers play well with the customer’s psychological behaviors. Regardless of your customer base substantially being internet-users, an impressive vanity number will attract them – no matter what.

In many cases, businesses won’t have an option to pick their own vanity number from scratch, whereas, few business independent entities are given the choice to choose their toll-free number and vanity numbers themselves. The options also include transferring self-made vanity numbers to carriers like Verizon, T-Mobile, Sprint, and AT&T, if they like.

Numbers with the numeric pattern – a 10 random digit number is quick to remember, it could either follow the sequence of double digits such as 6677 or sequential like 2345, repeated 4444, even/odd sequence like 2468 – all are fruitful and imprint on users’ memory. You can also choose from years/dates (which are special to you) since people are wise enough to remember special characters than numbers.

Numbers with spellings of your brand – when you pick a number, pay attention to special spells on that number of the phone keypad. A number spelling out a brand (or a word/phrase) is worth millions for a business. If you pay attention, Facebook Indian number is 92FACEBOOK, which means it is 92-3223-2665 on the dialer keypad of a phone. Popular numbers like 1-800-LAWYERS are mostly taken, be creative with what you chose.

Toll-free number – it is a free number that can be called from any area code, the charges are levied on the business and not the caller. These toll-free numbers work in specific areas or from a number dialed from anywhere.

The 800 series – the toll-free prefix ranges from 800; 888; 877; 866; 855; 844; and 833. Local vanity numbers would be demanded by some businesses rather than toll-free because of coverage and cost issues.

Why do you need a vanity phone number?

Branding is the most important aspect of business and these easy to recognize numbers displayed on billboards, radio ads and other similar programs plays a great role. These are not too easy to remember, but their sequencing and catch phrase piques your customers.

Customers pay attention to branding consistency across all communicated mediums and this generates more leads.

The correct advertisements

The best mediums to communicate to the users regarding vanity numbers (like mentioned before) include billboards, trucks, TV ads, podcasts, and internet advertisements on different websites. This means consumers will see numbers passing by, or hear on a podcast and will remember eventually. Random sequential numbers are quick to adopt and many people quickly write it down as well. The medium of advertisement would vary per business goal and emotional contact remains the same.

Top-notch reasons to have a vanity number

why you need a vanity number

Everyone wants to go beyond numbers. People try to add meanings to the phone number, the classic instance would be BEechwood 4-5789, and Adams & Swett Rug Cleaning Company gets recognition through this question:

How many cookies did Andrew eat?

Focus, Andrew ATE (8) – 8,000, this means the number would be ANdrew 8-8000, although the companies have vanished since long but the posts jingles to this date. You see marketing still work even after 50 years?

It’s no more 1960’s, we are in modern world with so many digital options, when memorized customers can reach you via text or social media platforms, email you and can go to your website. Irrespective of these mediums, vanity numbers still remain relevant.

It is certain people remember vanity numbers but most importantly YOU. Modern people have to remember a lot, pins, passwords and vanity numbers in place make things easier. Most notable example is 1-800-GoFedEx for package delivery.

Vanity numbers reinforce your brand and lend credibility to your business. For instance, 1-866-QUIT-4-LIFE is a symbol for life, where smoking needs to be quit. Vanity numbers are your brand reflection. Customers not only show interest but do word of mouth marketing on your behalf. Vanity numbers show your business ideology in one fell swoop and can be your competitive edge.

Conclusion

Although modern businesses have virtual phone numbers or VoIP, but vanity numbers still pay an important role and are irreplaceable. The only investment is a lovely truck with a vanity number in display so the value proposition is delivered with a concise message.

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