One important sub-type of EPayments is Mobile Banking. As usual, Reserve Bank of
Mobile Banking in
Hence, it becomes essential, to offer some Tips, for your secure mobile banking experience.
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01) The very first handy tip that can help you to get rid of e-fraud is never to disclose your PIN or Password or any other security information. It is also advisable that you never write it down on front of someone. Mostly all mobile phones come with the option of setting up once the PIN and password or other security information. It is cumbersome in beginning but it can help you in long run if security is the main concern. This configuration once done will not allow anyone to use your phone without your knowledge or permission. So, can not be used for any illegal activities or frauds impersonating you. The password shold be a comibinaton of letters, numbers and symbols. Refer my earlier post for simple cryptography.
02) Never follow any activity that makes your phone vulnerable to viruses and a soft site for hackers or fraudesters to hog on. Never click any site or URL till you are not confident. Make it a habit to delete all the chain messages or the unwanted messages.
03) Do not download any software, may be your phone gets infected and a profitable site for fraudster to steal some information that can help them to rob you off. Be smart and learn for spy ware . Never disclose any private information to the unauthenticated or the doubted sources.
04) Integrate your phone with the latest updates. The installation of software updates can secure your mobile and the sensitive information transmitted or stored. The software updates should be installed regularly.
05) Never disclose any personal information via text message. This could lead to Identity Theft.
06) Update your mobile phone with the latest version of reliable antivirus software on a regular basis
07) Download files only from a trust source. Make sure that Bluetooth is switched off when the phone is not in use, to avoid transmission of viruses.
08) Mobile phones should be configured with a secure web browser and email software. Use the ‘Help’ function of the software of the vendor’s website for configuration.
09) Always make it a point to clear the browsing history or cache.
10) Always opt for Mobile Banking and Internet Banking of the same Bank. As Account Transaction details can be accessed on Internet Banking, transactions done on Mobile Banking can be verified here. This way, a cross-check of transactions will minimize fraud.
These little tips can help you to steer clear of frauds with your account and can make your mobile banking experience, a pleasurable one.
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