Security

• Mobile Confirmation

In order to perform transactions on Hayat Finans Internet Branch, first, you need to enter your password and then confirm the notification sent to your mobile device. After completing this two-factor authentication process, you can securely log in to your accounts.

• Device Pairing

You can easily pair your accounts to your device which you confirm that it is yours. When you open the Hayat Finans Internet Branch using the device you associated with your account, the system recognizes you, and your name and profile picture appear.

• IP Restriction

You can determine the addresses that can log in to your account through mobile banking by applying an IP or IP Block Restriction. If you want to disable or change IP restrictions, you can get assistance from the Call Center.

• Transaction Restrict

With the transaction restriction feature, you can make money transfers only to the accounts you have determined.

• Account Restriction

If you have multiple accounts, you can choose to hide some of them and make others visible. Moreover, you can restrict money transfers and balance inquiries from specific accounts.

• Security Image

When opening your account, you need to set a security image. This image is used for an additional verification step during your login to the internet branch.

• Failed Login Attempts

When you log in to the Internet and Mobile Branches, you will be provided with information on the hour in which there were successful and unsuccessful login attempts.

• SSL (Secure Socket Layer) Certificates

With SSL (Secure Socket Layer) certification, the traffic of your banking transactions conducted through the Internet branch and mobile application is encrypted, ensuring your security and privacy.

• Malware Detection

The technologies we developed, scan all devices used for accessing Internet banking and mobile banking and detect any malicious software. If any device is found to have malicious software, access to your account from those devices is blocked for your security.

Social Engineering Methods

In this method, scammers try to psychologically pressure you into obtaining your personal information. They may impersonate police officers, soldiers, prosecutors, or bank employees and aggressively demand their requests. However, you should know that bank employees and government officials will never ask for your bank account information. If you encounter such a situation, stay calm and refuse to share your personal information with strangers.

Phishing Frauds

Scammers attempt to access your personal information and bank accounts through fake emails and SMS messages. They appear as trustworthy sources and may claim that you have won a prize or owe a debt, leading you to click on fake links. To protect yourself from this method, you should not open emails that you are not sure how reliable the source is and even if you have opened them, never click on the links. In suspicious situations, you can refer to Mobile Branch or Internet banking rather than clicking on the links. 

Social Media Frauds

In this method, scammers may try to obtain your personal information by reaching out to you through fake accounts. They impersonate banks or government institution accounts. To protect yourself from social media frauds:

• Make sure that the accounts contacting you are official accounts.
• If you have doubts, do not click on the link. Instead of this, you can manually enter the address through your browser or use the mobile application.
• They may try to direct you to links by offering attractive campaigns. You can follow up on the current campaigns from Internet Branch or Mobile Branch. 

Malicious Software

Your electronic devices are vulnerable to attacks while browsing the internet. Spyware that can infiltrate your computer, phone, or tablet puts your personal information at risk. You can protect yourself from spyware and viruses by using licensed antivirus programs. You can scan the programs and applications that you want to download to your device via antivirus. To avoid jeopardizing your computer and personal information, refrain from downloading applications or programs from unassured sources. 

Fake E-commerce Websites

Scammers can easily build replicas of frequently visited websites. They try to lure customers into their trap, especially by offering advantageous prices for e-commerce. They can steal all the information related to your card during the payment process. It is recommended that you carefully examine the websites you want to shop from and manually enter the site addresses if you have doubts.

What to Consider When Using Internet Banking?

• You can directly enter the address www.hayatfinans.com.tr in your browser's address bar to use Internet banking. Do not access through social media or search engine links.
• Make sure that the address starts with “https” and that the name of the bank is correctly spelled out when you open the Internet banking app. Make sure you can see the “Connection Secure” message when you click on the padlock icon on the address bar.
• Try to use the “Secure Logout” option instead of simply closing the window when exiting the Internet bank app.
• Keep all your apps, including the system, web browser, and antivirus program updated.
• Only download software or application from reliable sources.
• Use a firewall on your electronic devices and keep it enabled.
• Do not use Internet banking through shared computers or unknown devices. 

 What to Consider When Using Mobile Banking?

• Download the Hayat Finans Mobile Banking application only from the Apple Store or Google Play and install it on your device.
• Use the “Secure Logout” option when exiting the application.
• Make sure to keep your mobile device updated at all times.
• Refer to trustworthy sources when you download any application or program on your device.
• Have reliable and licensed antivirus software on your mobile device. Do not forget to renew the license when it expires after downloading the antivirus program, keep the application updated and regularly scan it.
• Avoid Jailbreak and Root which make it easier for devices to be infiltrated and never use mobile banking applications via devices that have undergone Jailbreak and Root. 

Telephone Banking Security

• Do not share your information with persons who ask for your personal information by saying that they work for Hayat Finans Participation Bank. If you receive such a call, you can provide information about the incident by immediately contacting our Communication Center at 444 4 988.
• During the call with our Communication Center, enter the requested information using only the touch-tone keypad of the voice response system for security purposes. Do not share your passwords with anyone including the bank employee.
• Make sure that unknown individuals are not listening to your conversation with our Communication Center.
• All transactions and conversations conducted with our Communication Center are recorded and stored by our bank in accordance with the Personal Data Protection Law.

Bank Card Security

• Do not create card PINs that can be easily guessed, such as your birthdate, phone number or consecutive number sequence. Do not share your card PIN with anyone.
• Store your card information safely in a manner that will not be visible to others.
• Immediately contact our Communication Center in case of loss or theft of your card.
• If your card is retained or stuck in an ATM, immediately call the Communication Center without sharing your PIN with anyone.
• Make sure that e-commerce websites do not store your card information.
• Do not share the one-time password sent to your phone by e-commerce websites with others. Always check the text message received, the company from which you shop, and the expenditure amount information. 

Mobile Device and Computer Security

• Always keep the system of your mobile device and computer updated. Do not disable the firewall.
• Make sure you use the latest version of the programs you use on your mobile device or computer.
• Download applications only from trustworthy sources and official application stores of brands.
• Use antivirus programs on your mobile device and computer. Make sure the antivirus program is licensed and updated. Scan your devices regularly for viruses.
• Receive assistance from technical support in case malware or virus is detected on your device.
• Do not Jailbreak or Root your mobile device, and do not perform banking transactions on devices that have undergone Jailbreak or Root.
• Protect your devices with a password even in daily use and do not share your password with strangers.
• Do not open e-mails and e-mail attachments with unknown sources. Do not click on links with sources you do not know.
• Do not access the internet from an untrustworthy wireless network.
• Make sure you lock the screen when you leave your mobile device or computer.