7 master tips to maintaining mobile banking security.
Mobile banking security is an important practice everyone should inculcate into his/her banking etiquette.
Having shown you how to use mobile banking apps, it’s however time to guide you on its usage to as well stay safe from mobile banking security issues and cyber criminals.
I’ve carefully outlined these 7 tips that should be your watch word as you carry out your mobile banking.
1. MOBILE BANKING SECURITY: AVOID MALWARE ATTACK –
This is a form of attack introduced to your system and can track your subsequent online banking transactions inclusive.
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Fraudsters can empty your savings account through this attack. You could however be affected in the following ways:
Clicking on an infected email. In your interest kindly avoid unanimous emails from unknown sender especially if you can’t remember subscribing for such emails. They are mostly unscripted with malware attacks, once clicked you’ve granted access to cyber criminals.
By clicking online links randomly and downloading some infected programs as well visiting online game sites and small forums.
2. MOBILE BANKING SECURITY: AVOID SHARED COMPUTERS AND NETWORKS –
In this part of the world it’s hardly unusual occurrence to understand that people bank on public computers especially cyber café.
If you’re guilty of this act, kindly put a stop to it. But in any case, always remember to log off bank sites if you’d used any, fraudsters can sneak into your account this way.
Avoid banking on external/exposed Wi- Fi networks especially at train stations, airports, hotels café etc.
3. MOBILE BANKRUPT SECURITY: DOWNLOADING OF BANK APPS –
Most online apps do not have adequate security, avoid downloading third party apps not issued by the bank.
Always checkout on app ratings before you download same, if there are no many downloads, it’s a red flag.
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4. MOBILE BANKING SECURITY: PASSWORD AND PROTECT YOUR MOBILE DEVICE –
As much as your device had security already, it as well Worth’s protecting your mobile phone and computer with password.
If you password your device, it actually prevent people from being nosey with your phone. It goes a long way to prevent access into your mobile phone in case of information theft.
5. MOBILE BANKING SECURITY: AVOID FISHING TEXTS –
Fishing mostly hits you as messages, they’ll claim to be acting in your bank’s capacity trying to get sensitive bank details from you.
Kindly avoid and ignore these text messages or emails. Delete them without a second thought.
Your bank will never request for your ATM pin or sensitive account information from you online or through text messages.
Example of such texts is:
Dear valid customer ur ATM card and acc**nt has been BLOCK FOR REACTIVATION CALL OUR HELP LINE 09067206742 BEFORE 24HOURS.
This is what I often receive from them.
Now take note: Their use of English will always be incorrect especially tenses. They’ll always abbreviate their words besides the sentence will hardly make a complete meaning for lack of adequate punctuations.
Your bank will not use abbreviations trying to convey important messages to you.
It’s a Mobile banking security threat, please run away for your safety.
6. MOBILE BANKING SECURITY: KEEP YOUR PHONE CLOSER –
You never can predict what the next man to you is up to, even if you can read minds. Getting your mobile phone close is not that much of a task to accomplish, you must be security conscious. Carelessness with your phone can expose you to mobile banking security issues.
7. MOBILE BANKING SECURITY: IT’S NOT BAD TO STAY SECRETIVE –
Anyone close to you is a potential threat when it has to do with your mobile banking, you may call it trust issue but I call it mobile banking security tips.
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Your money is dear to your life as such should be handled with every care it deserves.
In event where your Mobile phone goes missing, contact your bank immediately to hot list your account immediately or place it on no debit, that itself is an important security solution.
You can contact your banks through their websites get their customer care lines example
Skye bank can be reached on https://www.skyebankng.com
Staying safe with your money is a healthy practice you ought to maintain to as well save yourself unnecessary pressure you might go through during mobile banking security challenges.
Have you been a victim or had any experience, kindly share it here?
Raphael Orji is a Digital Marketing Expert, Seasoned and Dynamic Freelancer, with interest in Banking, Personal finance, Entrepreneurial development. A Councillor and Motivational Speaker.
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