Digital Basics Guide

In today’s world, many everyday tasks like shopping, banking, and paying bills can be done online. These actions are called digital transactions.

A digital transaction is any kind of deal, exchange, or payment that takes place using a digital device such as a smartphone, tablet, or computer. You don’t need to leave your house you just need internet access and a bit of know-how. There’s a number of places that you can buy items on like Amazon.com but also retailers that sells clothing, food, general good and a whole lot more which you can do all from home in a click of a few buttons. 

To shop online it’s as simple as creating an account, adding an item to a basket and then confirming your purchase with your payment details. 

When you shop or pay for services online, you’ll need to use a digital payment method. These are secure tools that help you pay without using cash. The most common methods include:

💳 1. Credit or Debit Cards

• Enter your card number, expiration date, and the 3-digit code on the back (CVV).
• Your bank will usually send you a one-time code to confirm the payment.
• These are widely accepted and easy to use but be sure you’re on a trusted website.

🅿️ 2. PayPal

• A digital wallet that lets you pay without entering your card details every time.
• You create one account, link your bank or card, and log in to pay.
• It adds an extra layer of protection between you and the seller.

📱 3. Mobile Payments (Apple Pay, Google Pay, etc.)

• These use your phone to pay — online or in shops.
• Your card details are stored securely on your phone, often protected with a fingerprint or face ID.
• Very convenient and fast.

When you shop or pay for services online, you’ll need to use a digital payment method. These are secure tools that help you pay without using cash. The most common methods include:

💳 1. Credit or Debit Cards

• Enter your card number, expiration date, and the 3-digit code on the back (CVV).
• Your bank will usually send you a one-time code to confirm the payment.
• These are widely accepted and easy to use, but be sure you’re on a trusted website.

🅿️ 2. PayPal

• A digital wallet that lets you pay without entering your card details every time.
• You create one account, link your bank or card, and log in to pay.
• It adds an extra layer of protection between you and the seller.

📱 3. Mobile Payments (Apple Pay, Google Pay, etc.)

• These use your phone to pay — online or in shops.
• Your card details are stored securely on your phone, often protected with a fingerprint or face ID.
• Very convenient and fast.

Tips to Stay Safe When Paying Online

Look for a secure connection

• Only enter your payment info on websites that begin with https:// and show a 🔒 padlock symbol.
• If it looks suspicious or badly designed, don’t trust it.

Never share your card details in messages

• Don’t send your card info by email, text, or messaging apps — it’s not safe.

Check your statements

• Keep an eye on your bank or PayPal account regularly.
• If something looks wrong, report it right away.

When in doubt, don’t pay

• Ask a trusted friend or family member for help.

Accessing bank accounts on a mobile device is a common and is highly recommended by banks to use, we would recommend that you go in a visit your branch to discuss with a supervisor if you would like to know more. 

A mobile wallet is an app on your smartphone that safely stores your payment cards, so you can pay without pulling out your physical card or cash.

📲 Popular Mobile Wallets:

• Apple Pay (iPhones)
• Google Pay (Android phones)
• Samsung Pay

You simply tap your phone on a card reader or select your mobile wallet when shopping online. Most phones use fingerprint, face ID, or a passcode to confirm payments — making it both fast and secure.