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The 2025 holiday shopping season is here and is expected to face unprecedented cyber threats. A recent Retail & Hospitality Information Sharing and Analysis Center report predicts a 520% surge in AI-driven traffic during the holiday season with scammers using these tools to commit fraud and identity theft. These AI-powered attacks can mimic human behavior, making it harder for shoppers and retailers to spot fraud.
With millions of shoppers hunting for deals, cybercriminals are exploiting this to steal personal and financial data. At IdentityIQ, we actively monitor these evolving risks and provide consumers with the tools they need to stay protected. Keeping up with the latest scams is a full-time job in itself, as fraudsters are using technology to become more sophisticated than ever before.
1. Keep Devices and Apps Updated
2. Use Strong, Unique Passwords
Simple or reused passwords make it easier for hackers to access multiple accounts. Using your child’s name and birthday is probably not a good password choice. Instead, use strong, unique passwords that include complex combinations of letters, numbers, and symbols for each account. A password manager can generate and securely store these credentials.
3. Use Secure Payment Methods
Credit cards generally offer the strongest consumer protections, often capping liability for fraudulent charges at $50 and sometimes waiving it entirely. Debit cards offer some protection but have more restrictions on how quickly fraud needs to be reported as well as liability coverage. Peer-to-peer payment apps like Venmo or Cash App often have limited recourse.
4. Watch for Phishing Scams
Holiday phishing scams are becoming more widespread while also becoming more targeted now that AI is more sophisticated and easily accessible. Emails, texts, or calls may claim urgent issues or special deals to trick you into revealing personal information. Verify communications through official channels before responding or clicking links. If you get a call from someone
5. Avoid Public Wi-Fi for Transactions
Public Wi-Fi networks are convenient but risky when it comes to personal data. Hackers can intercept traffic or create fake hotspots to steal sensitive information. Connect only to password-protected private networks and consider using a VPN to encrypt your connection.
6. Shop with Reputable Retailers
Stick to established, trusted retailers. Check for secure “https://” URLs, read independent reviews, and consult resources like the Better Business Bureau before making purchases.
7. Monitor Your Accounts Frequently
Check bank and credit card statements often. Regular reviews and reporting of unauthorized transactions can reduce liability and prevent further fraud.
8. Check Your Credit Reports
Unusual activity on your credit report is often one of the first signs of identity theft. Review your credit reports for unknown accounts or applications. Services such as IdentityIQ provide monthly credit reports and real-time alerts for unusual activity, so you can act quickly.
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Comprehensive Holiday Identity Protection
IdentityIQ offers comprehensive protection to help protect consumers during this high-risk season. This includes credit monitoring from all three major credit bureaus, digital safety tools such as VPN and antivirus software, dark web monitoring, and up to $1 million in identity theft restoration, underwritten by AIG.
The holiday season should be about joy and giving, not stressing over identity theft. Staying vigilant, updating devices, using strong passwords, and having advanced identity protection tools can help you protect yourself and your loved ones while enjoying peace of mind this holiday season.
To learn more about safeguarding your identity this holiday season and beyond, visit IdentityIQ.com.
The views and opinions expressed in this guest article are those of the author and do not necessarily reflect the official policy or position of Cyber Insurance News & Information.