Using public Wi-Fi for online banking and shopping is risky due to significant security vulnerabilities, far beyond slow speeds or battery drain. The primary danger lies in the lack of security protocols on many public Wi-Fi networks, making your data vulnerable to interception.

One major threat is the “man-in-the-middle” attack. Cybercriminals can position themselves between you and the website you’re visiting, intercepting your data without your knowledge. This intercepted data can include your login credentials, passwords, credit card numbers, and other personal information you enter on websites or apps.

Public Wi-Fi hotspots, often found in cafes, airports, and libraries, are frequently unsecured, meaning the data transmitted over the network isn’t encrypted. Without encryption, anyone on the same network can potentially see the information you’re sending and receiving. Hackers use readily available software to monitor network traffic and steal sensitive data.

Data interception allows cybercriminals to steal your identity. With stolen financial information, they can make unauthorized purchases, access your bank accounts, or commit other fraudulent activities. Because public Wi-Fi lacks robust security, it’s an easy target for these types of cyberattacks, making it unsafe for sensitive activities like online banking and shopping. Always use a secure, private network or a Virtual Private Network (VPN) when handling sensitive data online.