Text and meet girls no credit card at all

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Scotiabank considers each of your cards a valuable possession, since it gives you access to your most important financial assets.We do our utmost to ensure your security, whether you are online, on your mobile device or at the point of sale.New services promise to make using your phone for small and casual transactions more convenient and secure (see chart).The dream: transferring money to your friends will be as easy and quick as sending an email or text message. While the technology is improving, most of the existing networks are too small to be convenient -- and they don't talk to each other.Fraudsters are becoming more sophisticated in their methods, but so are consumers.You can make a difference not only in your own life, but in the lives of the people you care about by recognizing, rejecting and reporting fraud.It's like using Facebook to share a photo of your cute kitten. "Right now, we don't have anything that is universal enough that links all of us together," says James Wester, research director of global payments for IDC Financial Insights.

Almost anything is game for them, including your date of birth, SIN, address and signature.

This booklet outlines many of the most common types of scams, and lists the contact information of fraud-fighting agencies that are there to help.

I believe in a Canada that is a nation of innovators, one that is aware and unburdened by the high cost of fraud in both the traditional and digital economies.

Informed and aware consumers are important players in an innovation economy.

That’s why we encourage all Canadians to empower themselves by reading and take note of its tips on how to stop fraudsters in their tracks.

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