Most small businesses assume they are too small to be targeted. In practice, opportunistic attacks — phishing emails, weak Wi-Fi passwords, unpatched point-of-sale software — do not discriminate by company size. A handful of low-cost habits close most of the exposure: unique passwords stored in a manager, two-factor authentication on financial accounts, and scheduled off-site backups.
For businesses handling customer payment data through Mobile Money integrations, we also recommend a quarterly access review — removing former staff accounts and rotating API credentials — as part of a standard security audit.