Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
GAMEY Project: Gamified Approach to Money Education for Youth
MODULE 10: Digital Economy – Scams, Online Payments & Safety
Let's go!
Digital Economy – Scams, Online Payments & Safety
Rob is about to make an online payment... but wait, was that email real? In this module, you’ll explore the digital financial world: how to make secure transactions, avoid scams, and protect your financial data.
Continue
Table of Content
- Module’s goals
- What will you learn
- The Rise of the Digital Economy
- Spot the Scam: Learn the Signs
- Secure Online Payments
- Protecting Your Financial Data
- Your Rights in the Digital World
- Knowledge Check
- Glossary
Continue
Module Goal
- Understand how online transactions work
- Identify common types of digital scams
- Learn best practices for online safety and secure payments
- Know your rights when something goes wrong online
Continue
What will you learn?
By the end of this module, you will be able to:
- Explain how digital payments are processed
- Recognize phishing, fake websites, and social engineering tactics
- Apply safety strategies like 2FA and secure browsing
- Understand data privacy and legal protections (e.g. GDPR)
- Respond appropriately to suspected fraud
Continue
The Rise of the Digital Economy
Continue
The digital economy refers to all economic activity that relies on online platforms, digital devices, and electronic payments. It’s fast, convenient, but also vulnerable.
Continue
Real-life examples of digital economy
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Social Media Influencer Economy
Selling Second-Hand Goods
Freelance Platforms
Online Shopping
Mobile Payments
Virtual Goods and Subscriptions
Rob buys headphones through an e-commerce site and pays with a digital wallet.
Title
A graphic designer earns money on Fiverr, working for clients across the globe.
A student sells used textbooks on Facebook Marketplace.
Creators earn income from brand deals, sponsored content, and fan donations.
Rob uses Apple Pay at a café, no cash, just a tap.
Rob subscribes to a game streaming service and buys a digital skin for his avatar.
Write a brief description here
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Spot the Scam: Learn the Signs
Continue
Digital scams are designed to trick you into giving away money or personal information. Some of the most common are:
Phishing Emails: Rob gets an “urgent” message from his bank asking him to verify his password.
Fake Websites: Always check the URL (does it have https? Is the address misspelled?)
Social Engineering: “Hi, I’m calling from Microsoft. Your computer has a virus...”
Continue
Common Red Flags
Continue
Secure Online Payments
Continue
Online payments are convenient, but they carry risks if not done carefully. Here’s how Rob can stay safe:
Use Two-Factor Authentication (2FA) Adds an extra layer of security: a code sent to your phone after login.
Look for HTTPS Secure websites have a padlock icon and “https” in the address.
Prefer Credit Cards or Trusted Payment Platforms They offer fraud protection and don’t give sellers direct access to your account.
Avoid Public Wi-Fi for Payments Unsecured networks can be hacked.
Continue
Real or Risky?
Continue
Real or Risky?
Continue
Real or Risky?
Continue
Protecting Your Financial Data
Continue
Cybercriminals want your data. Protect it like your wallet.
Best practices include:Use passphrases or password managers.Avoid logging into financial accounts on public computers.They often ask for too much personal info in return.- Recognize Suspicious Behavior
Pop-ups, grammar mistakes, and urgent tones = red flags.
Continue
Safe vs Risky
Solution
Drag each online behavior into the correct column
Click on links from unknown emails
Safe Practice
Risky Behavior
Enable two-factor authentication
Use a password manager
Connect to public Wi-Fi to log in to your bank
Use the same password for all accounts
Update your software regularly
Continue
Your Rights in the Digital World
Continue
If something goes wrong online, like being scammed, having your data stolen, or making a payment in error, you have rights. These rights are protected under laws like the GDPR and EU consumer regulations.
Continue
Know Your Rights
Companies must ask for your clear consent before sending promotional emails. You can unsubscribe at any time.
You have a 14-day cancellation window when buying from EU-based online stores. You can return goods without giving a reason.
You have the right to access, correct, and delete your personal data.You can also limit how it’s used by companies.
Consent and Marketing
Your Data Rights
Online Purchase Rights
If you’ve been scammed, report it to your payment provider, your local consumer agency, and in some cases, the police.
If a payment is unauthorized or you didn’t receive the product, you can request a chargeback from your bank or card provider.
EU consumers can contact national consumer protection authorities or use the European Consumer Centres Network for cross-border issues.
Report a Scam
Refund Protections
Know Who to Contact
Continue
Knowledge Check
Continue
Continue
Continue
Continue
Continue
Continue
Glossary
A security feature that requires a second step (e.g., a text code) when logging into accounts.Why it matters: It protects you even if your password is stolen.
Websites with https:// and a 🔒 icon encrypt your data.Why it matters: Never enter sensitive info on sites without it.
Two-Factor Authentication (2FA)
A scam technique where scammers trick you into giving personal or financial info, often via fake emails or websites.
Secure Connection
Title
Title
Title
Use this side to give more information about a topic.
Use this side to give more information about a topic.
Use this side to give more information about a topic.
Phishing
Subtitle
Subtitle
Subtitle
When scammers manipulate you emotionally (urgency, fear, friendliness) to get your info or money.Why it matters: It’s one of the most effective and dangerous scam tactics.
A European law that protects your digital rights.Why it matters: You can control how your data is used, and even request its deletion.
Social Engineering
Title
Title
Use this side to give more information about a topic.
Use this side to give more information about a topic.
GDPR
Subtitle
Subtitle
Continue
Resources
- OECD (2018). Policy Guidance on Digitalisation and Financial Literacy
- Kahneman, D. (2011). Thinking, Fast and Slow
- Bank of America (2024). Transaction Security in a Digital Economy
🔗 Useful Sites:
- Europol – Online Fraud Prevention
Continue
Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
Thank you!
Start
Safe Practice
Enable two-factor authentication Use a password manager Update your software regularly
Risky Behavior
Click on links from unknown emails Connect to public Wi-Fi to log in to your bank Use the same password for all accounts
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Transcript
Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
GAMEY Project: Gamified Approach to Money Education for Youth
MODULE 10: Digital Economy – Scams, Online Payments & Safety
Let's go!
Digital Economy – Scams, Online Payments & Safety
Rob is about to make an online payment... but wait, was that email real? In this module, you’ll explore the digital financial world: how to make secure transactions, avoid scams, and protect your financial data.
Continue
Table of Content
Continue
Module Goal
Continue
What will you learn?
By the end of this module, you will be able to:
Continue
The Rise of the Digital Economy
Continue
The digital economy refers to all economic activity that relies on online platforms, digital devices, and electronic payments. It’s fast, convenient, but also vulnerable.
Continue
Real-life examples of digital economy
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Use this side of the card to provide more information about a topic. Focus on one concept. Make learning and communication more efficient.
Social Media Influencer Economy
Selling Second-Hand Goods
Freelance Platforms
Online Shopping
Mobile Payments
Virtual Goods and Subscriptions
Rob buys headphones through an e-commerce site and pays with a digital wallet.
Title
A graphic designer earns money on Fiverr, working for clients across the globe.
A student sells used textbooks on Facebook Marketplace.
Creators earn income from brand deals, sponsored content, and fan donations.
Rob uses Apple Pay at a café, no cash, just a tap.
Rob subscribes to a game streaming service and buys a digital skin for his avatar.
Write a brief description here
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Is it part of the digital economy?
Continue
Spot the Scam: Learn the Signs
Continue
Digital scams are designed to trick you into giving away money or personal information. Some of the most common are:
Phishing Emails: Rob gets an “urgent” message from his bank asking him to verify his password.
Fake Websites: Always check the URL (does it have https? Is the address misspelled?)
Social Engineering: “Hi, I’m calling from Microsoft. Your computer has a virus...”
Continue
Common Red Flags
Continue
Secure Online Payments
Continue
Online payments are convenient, but they carry risks if not done carefully. Here’s how Rob can stay safe:
Use Two-Factor Authentication (2FA) Adds an extra layer of security: a code sent to your phone after login.
Look for HTTPS Secure websites have a padlock icon and “https” in the address.
Prefer Credit Cards or Trusted Payment Platforms They offer fraud protection and don’t give sellers direct access to your account.
Avoid Public Wi-Fi for Payments Unsecured networks can be hacked.
Continue
Real or Risky?
Continue
Real or Risky?
Continue
Real or Risky?
Continue
Protecting Your Financial Data
Continue
Cybercriminals want your data. Protect it like your wallet.
Best practices include:
- Strong, Unique Passwords
Use passphrases or password managers.- Secure Connections Only
Avoid logging into financial accounts on public computers.- Beware of “Free” Offers
They often ask for too much personal info in return.- Recognize Suspicious Behavior
Pop-ups, grammar mistakes, and urgent tones = red flags.Continue
Safe vs Risky
Solution
Drag each online behavior into the correct column
Click on links from unknown emails
Safe Practice
Risky Behavior
Enable two-factor authentication
Use a password manager
Connect to public Wi-Fi to log in to your bank
Use the same password for all accounts
Update your software regularly
Continue
Your Rights in the Digital World
Continue
If something goes wrong online, like being scammed, having your data stolen, or making a payment in error, you have rights. These rights are protected under laws like the GDPR and EU consumer regulations.
Continue
Know Your Rights
Companies must ask for your clear consent before sending promotional emails. You can unsubscribe at any time.
You have a 14-day cancellation window when buying from EU-based online stores. You can return goods without giving a reason.
You have the right to access, correct, and delete your personal data.You can also limit how it’s used by companies.
Consent and Marketing
Your Data Rights
Online Purchase Rights
If you’ve been scammed, report it to your payment provider, your local consumer agency, and in some cases, the police.
If a payment is unauthorized or you didn’t receive the product, you can request a chargeback from your bank or card provider.
EU consumers can contact national consumer protection authorities or use the European Consumer Centres Network for cross-border issues.
Report a Scam
Refund Protections
Know Who to Contact
Continue
Knowledge Check
Continue
Continue
Continue
Continue
Continue
Continue
Glossary
A security feature that requires a second step (e.g., a text code) when logging into accounts.Why it matters: It protects you even if your password is stolen.
Websites with https:// and a 🔒 icon encrypt your data.Why it matters: Never enter sensitive info on sites without it.
Two-Factor Authentication (2FA)
A scam technique where scammers trick you into giving personal or financial info, often via fake emails or websites.
Secure Connection
Title
Title
Title
Use this side to give more information about a topic.
Use this side to give more information about a topic.
Use this side to give more information about a topic.
Phishing
Subtitle
Subtitle
Subtitle
When scammers manipulate you emotionally (urgency, fear, friendliness) to get your info or money.Why it matters: It’s one of the most effective and dangerous scam tactics.
A European law that protects your digital rights.Why it matters: You can control how your data is used, and even request its deletion.
Social Engineering
Title
Title
Use this side to give more information about a topic.
Use this side to give more information about a topic.
GDPR
Subtitle
Subtitle
Continue
Resources
- OECD (2018). Policy Guidance on Digitalisation and Financial Literacy
- Kahneman, D. (2011). Thinking, Fast and Slow
- Bank of America (2024). Transaction Security in a Digital Economy
🔗 Useful Sites:Continue
Co-funded by the Erasmus+ Programme of the European Union Project No.: 2024-1-PL01-KA220-YOU-000251498
Thank you!
Start
Safe Practice
Enable two-factor authentication Use a password manager Update your software regularly
Risky Behavior
Click on links from unknown emails Connect to public Wi-Fi to log in to your bank Use the same password for all accounts