TIPSLIFEHACKS

Financial abuse is a devastating and often hidden form of domestic violence. While traditional methods of control – like restricting access to funds or demanding account statements – remain prevalent, perpetrators are increasingly turning to sophisticated technology to exert power and manipulate their victims. This isn't just about accessing bank accounts; it's about insidious control woven into the fabric of daily digital life.

The Rise of Tech-Enabled Financial Abuse

The digital age has unfortunately provided abusers with new and frighteningly effective tools. Here's a breakdown of some concerning tactics:

• Spyware & Stalkerware: These sneaky apps can be installed on a victim’s phone without their knowledge, allowing the abuser to track their location, read messages, monitor calls, and even access emails and social media accounts.
• Online Banking Access: Gaining login credentials – through coercion, theft, or trickery – gives abusers direct control over finances, preventing victims from accessing funds or making independent decisions.
• Digital Monitoring Tools: Perpetrators may use keyloggers (which record keystrokes), screen recording software, or even remotely access computers to monitor online activity.
• Control of Financial Apps: Access to budgeting apps, investment platforms, and even payment services like PayPal can be used to manipulate spending and limit financial independence.
• Social Media Monitoring: Abusers often monitor social media activity, scrutinizing who their victims are communicating with and what they are spending money on.

Why is this happening now?

The increasing reliance on digital banking, online shopping, and mobile devices has created more opportunities for financial abuse. Technology has become integral to our lives, and abusers are exploiting this dependence to maintain control. Furthermore, the ease of accessing and installing these tools, often disguised as legitimate apps, makes detection difficult.

Protecting Yourself: What You Can Do

Recognising the signs of tech-enabled financial abuse is the first step. If you suspect you're being controlled through technology, here are some crucial steps to take:

• Secure Your Devices: Change passwords on all financial accounts, email, and social media. Enable two-factor authentication whenever possible.
• Scan for Malware: Run a reputable antivirus and anti-spyware scan on all devices.
• Review App Permissions: Carefully review the permissions granted to apps on your phone and tablet. Remove any apps you don't recognise or don't trust.
• Create a Separate Email Account: Set up a new email account that your abuser doesn't have access to. Use this for important financial communications.
• Seek Support: Reach out to a trusted friend, family member, or a domestic violence support organisation. They can provide emotional support and practical assistance.
• Document Everything: Keep records of abusive behaviour, including screenshots of messages, emails, and financial transactions.

Where to Get Help in Australia

If you are experiencing financial abuse, you are not alone. Here are some resources available in Australia:

• 1800RESPECT: 1800 737 732 (National Domestic Violence Helpline)
• Financial Abuse Support Service: https://www.financialabusesupport.org.au/
• No to Domestic Violence: https://www.notodv.org.au/

The Takeaway

Financial abuse is a serious crime, and technology is making it harder to detect and escape. By understanding the tactics abusers are using and taking proactive steps to protect yourself, you can regain control of your finances and your life. Don't hesitate to seek help – your safety and well-being are paramount.