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Financial abuse is a devastating form of domestic violence, often overlooked but incredibly damaging. While traditional methods of control existed, a new and alarming trend is emerging: tech-enabled financial abuse. Abusers are increasingly leveraging technology – from spyware to online banking access and sophisticated digital tools – to exert control over their victims' finances and, ultimately, their lives.

This isn't just about checking bank statements. It's about a calculated and insidious strategy to isolate, control, and impoverish a victim. It's crucial to understand these evolving tactics and, more importantly, learn how to protect yourself.

The Rise of Tech-Enabled Financial Abuse

Here's a breakdown of the common technologies abusers are using:

• Spyware & Stalkerware: These apps, often secretly installed on a victim's phone, can track location, read messages, monitor calls, and even record audio and video. This allows abusers to know exactly where a victim is, who they're communicating with, and how they're spending their money.
• Online Banking Access: Gaining access to online banking accounts – either through stolen passwords, phishing scams, or coercion – gives abusers direct control over funds. They can drain accounts, block access, or prevent victims from paying bills.
• Digital Monitoring Tools: Beyond spyware, abusers are using apps to monitor social media, email, and even online purchases. This creates a constant surveillance state, making it difficult for victims to plan an escape.
• Financial Tracking Apps: Some couples use budgeting or financial tracking apps. Abusers can exploit these to monitor spending in detail and exert control.
• Cryptocurrency Control: With the rise of cryptocurrency, abusers can leverage its anonymity to steal funds or prevent victims from accessing their digital assets.

How to Protect Yourself

Recognizing the signs of tech-enabled financial abuse is the first step. Here's what you can do:

• Secure Your Devices: Use strong, unique passwords for all your online accounts. Enable two-factor authentication wherever possible. Regularly update your phone's operating system and apps to patch security vulnerabilities.
• Be Wary of Shared Devices: Avoid sharing passwords or devices with someone you suspect is abusive.
• Check Your Bank and Credit Card Statements Regularly: Look for any unauthorized transactions or suspicious activity.
• Monitor App Permissions: Review the permissions granted to apps on your phone. Be cautious of apps that request unnecessary access to your data.
• Consider a New Phone & Email: If you suspect your device is compromised, consider getting a new phone and email address.
• Seek Help: Reach out to a domestic violence hotline or organization for support and guidance. (See resources at the end of this article.)

Beyond the Technology: The Emotional Impact

Tech-enabled financial abuse isn't just about money; it's about power and control. It can leave victims feeling trapped, isolated, and ashamed. Remember, you are not alone, and help is available.

Resources

• National Domestic Violence Hotline: 1-800-799-SAFE (7233)
• The National Network to End Domestic Violence (NNEDV): https://nnedv.org/
• Financial Abuse Support: https://www.financialabuse.org/

Disclaimer: This article is for informational purposes only and should not be considered legal or financial advice. If you are experiencing domestic violence, please seek help from a qualified professional.