Tips to carry out secure banking operations in mobile devices

pago-evolucion-580x360These days, mobile phones are used for various commercial activities, so it isn’t strange for the number of mobile banking users to have doubled over the last three years.

Most banks have made this possible by optimizing their websites for mobile devices, allowing clients to control their accounts and make payments and transfers from anywhere. However, only 12%, of online banking users think this is a great advantage, being this percentage a minority.

Consumers’ concerns about the safeness of mobile banking applications are understandable and, although there are a few threats, banks are doing everything they can to make mobile transactions safer for their clients.

Here are a few guidelines you can follow to be safe and enjoy the comfort of mobile banking:

  • If you use Wi-Fi, make sure the wireless network is safe to connect to the bank’s site or mobile application. Never send confidential information through an insecure network.
  • Protect your device with a password and set it up to get locked after a period of time.
  • Do not store information you’re not willing to lose in an insecure device.
  • Do not share or disclose your bank card number or pin to anybody.
  • Do not share your account information via text message.
  • If you get a text message from your bank, erase it after you read it.
  • Keep control of your financial statements to detect any irregularities.
  • Report any banking application that could be malicious.
  • If you lose your mobile phone or change your number, contact your bank to update your information.
  • Before downloading any banking application, read other users’ comments to make sure it’s safe.
  • Do not try to modify your device; it could lead to malware attacks.
  • If you must check your account in a public place, such as a hotel, restaurant or café, change your password immediately after to be sure.
  • In case something goes wrong you must know how to alert your bank about a fraud. Look for specific instructions in your bank’s website and keep the number at hand in case it is necessary.
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