数字金融、银行与网络安全
金钱正变得越来越数字化。
授课专家Olivia Carter数字金融与网络安全查看简介 为什么要学
这门课程为什么重要
数字支付快捷又方便，但也会让花钱显得不那么“真实”。
轻轻一碰，就能在几秒钟内完成一笔购买、开通一项订阅或转出一笔钱。
年轻人还会接触到虚假网站、钓鱼信息、网络诈骗、不安全的链接和误导性优惠。
这门课程让学生明白，电子货币也是真金白银，每一笔网上支付都是一个财务决定。
课程还会提供实用的方法，帮助他们识别风险、保护账户，做出更安全的选择。
学习成果
学生将学到什么
- 了解银行账户如何运作
- 认识现金与电子货币的区别
- 了解借记卡和数字支付
- 更负责任地使用手机钱包
- 识别常见的网络诈骗
- 识别钓鱼信息和不安全的链接
- 理解强密码的重要性
- 保护个人信息和财务信息
- 付款前仔细核对网购订单
- 发现可疑情况时正确应对
10 个主题
课程主题
- 01什么是电子货币？
学生会了解，在不使用实体现金的情况下，金钱如何以电子方式储存、转账和消费。
- 02认识银行账户
学生会了解银行账户的基本用途，以及如何用它来收款、存钱和管理资金。
- 03借记卡
学生会了解借记卡如何运作，以及为什么每一笔付款都会减少关联账户中的可用余额。
- 04手机钱包与数字支付
学生会了解手机钱包、非接触式支付、支付应用和网上结账系统是如何运作的。
- 05网上银行
学生会了解如何通过网站和手机应用使用银行服务，以及为什么账户安全至关重要。
- 06电子货币也是真金白银
学生会探讨，为什么刷一下卡或点一下付款按钮，会让花钱感觉比付现金更容易。
- 07安全网购
学生学习在购买前如何核查网站、卖家、付款页面、价格、配送条款和退货政策。
- 08识别诈骗与网络钓鱼
学生会认识常见的危险信号，包括催促你马上行动的信息、虚假中奖、可疑链接、索要密码，以及好得令人难以置信的优惠。
- 09保护账户和个人信息
学生会了解强密码、隐私设置、身份验证方式和谨慎的上网习惯如何降低风险。
- 10出了问题怎么办
学生会明白及时中止交易、告诉信任的成年人、联系银行或服务商，以及修改已泄露密码的重要性。
期末实践活动
我的数字金融安全清单
课程结束时，每位学生都会制作一份个人清单，让数字支付和上网活动更安全。
- 1购买前先核查网站
- 2检查链接是否安全
- 3保护密码和账户信息
- 4识别常见的诈骗信号
- 5完成数字支付前先停一停
- 6知道什么时候该向信任的成年人求助
- 7为可疑情况制定一份简单的应对计划
收获
学生将培养的技能
适合人群
这门课程适合谁？
- 13 至 18 岁的学习者
- 开始使用银行卡或支付应用的学生
- 在网上购物或订阅服务的年轻人
- 对银行和金融科技感兴趣的学习者
- 想学会识别诈骗和不安全网站的学生
- 希望孩子更安全地使用电子货币的家长
常见问题
关于这门课程的常见问题
What age group is this class designed for?
This class is designed for learners aged 13 to 18.
Does the student need a bank account?
No. Students can understand banking and digital payments through examples and activities without owning an account.
Does the student need a debit card or mobile wallet?
No. The class explains how these tools work so students can use them more safely when they become available.
What will the student learn?
Students learn how bank accounts, debit cards, mobile wallets, digital payments, and online banking work. They also learn how to recognise scams and protect their personal information.
What is phishing?
Phishing is an attempt to trick someone into sharing passwords, payment details, or private information through fake messages, websites, or links.
Does the class cover online shopping safety?
Yes. Students learn how to review websites, sellers, payment pages, delivery terms, and suspicious offers before making a purchase.
Will students learn how to create strong passwords?
Yes. The class explains why strong and unique passwords matter and how poor password habits can put accounts at risk.
Is this class about cryptocurrency?
No. The class focuses on everyday digital money, banking, cards, mobile wallets, online payments, and financial safety.
Is the class practical or only theoretical?
The class is practical. Students review realistic situations and create a personal digital money safety checklist.
Does the class include a final activity?
Yes. Students create a checklist they can use before making online purchases or digital payments.
What should a student do after noticing suspicious activity?
The student should stop, avoid sharing more information, tell a trusted adult, contact the relevant bank or service provider, and change any affected passwords.
Is this class part of a larger programme?
Yes. It is the third class in the Future Leaders in Finance & Business Program.
Does completing this class provide the full programme certificate?
This class contributes toward the programme requirements. The Future Leaders in Finance & Business Certificate is awarded after the learner completes all required classes and programme activities.
Can parents support the learning process?
Yes. Parents can review the safety checklist, discuss online purchases, and help students understand the rules connected to cards, accounts, and digital services.