Financial abuse is a devastating form of domestic violence, often hidden behind closed doors. While traditional methods of control have always existed, a worrying trend is emerging: financial abusers are now leveraging technology – spyware, online banking access, and digital tools – to exert even tighter control over their victims. This is particularly relevant in the Philippines, where increasing digital literacy and smartphone penetration create new avenues for abuse.

What is Tech-Enabled Financial Abuse?

It's more than just monitoring bank accounts. Tech-enabled financial abuse encompasses a range of behaviors, including:

• Spyware Installation: Secretly installing apps on a victim's phone to track location, read messages, and access financial information.
• Online Banking Access: Gaining unauthorized access to online banking accounts to steal money or manipulate transactions.
• Digital Surveillance: Using tracking apps, social media monitoring, and other digital tools to control a victim's movements and spending.
• Coercive App Usage: Demanding access to apps like GCash, PayMaya, or online shopping platforms to monitor and control spending.
• Exploiting Digital Assets: Taking control of cryptocurrency wallets, online investments, or other digital assets.

Why is this happening now?

The Philippines has witnessed a significant rise in internet and mobile phone usage. This has made digital tools readily available for both abusers and victims. Furthermore, the increasing reliance on online banking and digital payment platforms makes it easier for abusers to financially control their partners.

The Impact on Victims

The consequences of tech-enabled financial abuse are severe. Victims often experience:

• Financial Dependence: Becoming trapped in a cycle of financial dependence, making it difficult to leave the abusive relationship.
• Isolation: Being cut off from support networks and resources.
• Emotional Distress: Suffering from anxiety, depression, and a loss of self-esteem.
• Damage to Credit: Having their credit damaged by the abuser's actions.

How to Protect Yourself

While the situation can seem daunting, there are steps you can take to protect yourself:

• Secure Your Devices: Use strong passwords, enable two-factor authentication, and keep your software updated.
• Be Wary of Apps: Carefully review app permissions before installing anything. Be suspicious of apps that request access to your financial information or location without a clear reason.
• Monitor Your Accounts: Regularly check your bank accounts, credit card statements, and online transactions for any unauthorized activity.
• Change Passwords: If you suspect your accounts have been compromised, immediately change your passwords.
• Seek Help: Reach out to a trusted friend, family member, or support organization for help. (See resources below)

Resources in the Philippines:

• Philippine Commission on Women (PCW): https://pcw.gov.ph/
• National Anti-Trafficking Hotline: 1314
• DAWN (Domestic Abuse Women's Network): 0917-505-DAWN (3296)

Don't suffer in silence. You are not alone. Technology should empower you, not control you.