Technology has simplified the way we pay, but also given way to computer-savvy identity thieves. A recent barrage of personal information data breaches — most notably retail giant Target during the holiday season — also has prompted finance and consumer groups to alert people about how they can better protect themselves. “Even if you’re not sure that your accounts have been affected, you can do a few things to protect your accounts, your money and your credit reputation,” the Federal Trade Commission stated in a consumer protection post on its website last month.