The busyness of holiday shopping tends to lower peoples guards, leaving them vulnerable to exploits. With a crush of shoppers, retailers are likely to not be paying attention as well. Use contactless payment options such as ApplePay, SamsungPay, and GooglePay when using public Wi-Fi at the mall or coffee shop. Watch for ATM and credit card skimmers, especially for avoiding using skimmers at ATMs, gas pumps and ATMs. Use near-field communications apps such as GooglePay and ApplePay to avoid skimmers.”]