Is mobile banking safe?

Take China Construction Bank as an example:

Because the customer identity information is bound to the mobile phone number, the data transmission is fully encrypted and the password control is strict, which ensures the security of mobile banking. And the most important reason is that there is no virus replication problem in mobile phones.

2. The risk of online banking, to a large extent, is because it is in an open Internet and vulnerable to attacks by hackers, especially because hackers illegally obtain customer account information and passwords by placing malicious Trojan horses, which leads to the existence of risks. However, mobile banking is in a relatively closed mobile data network, and the mobile terminal itself has no breeding environment for viruses such as a unified operating system. Therefore, the mobile banking business is hardly affected by hackers and Trojans, and the security is greatly improved. Moreover, mobile phones are relatively private, generally limited to personal operation, and there will be no opportunity for public use.

3. Mobile banking security is divided into several levels:

First of all, the customer's mobile phone number is bound to mobile banking, and it is impossible to use mobile banking without binding the mobile phone number of mobile banking.

Secondly, users need to set a login password to open mobile banking, and they need to enter it every time they log in to mobile banking. In addition, the bank will also configure the electronic password card of online banking to mobile banking, and customers need to input it when they want to make fund transactions such as transfer, and at the same time enter the transaction password and verification code. The maximum transfer amount of this bank is 5000 yuan per day.

In order to further ensure security, customers can choose not to open external transfer, e-commerce, online payment and other functions when opening mobile banking.

4. Mobile banking is the abbreviation of using mobile communication networks and terminals to handle related banking business, which can also be called mobile banking. As long as you have a mobile phone with mobile banking, you can grasp the accounting information in real time and carry out certain trading operations, such as transfer, remittance, even trading funds, paper gold and so on. This extended service of online banking is an efficient, convenient and innovative service model, which solves the geographical and equipment limitations of online banking and telephone banking to some extent. After all, the mobile phone is a communication tool that more people carry with them, which is equivalent to carrying a "portable bank".

This is also the most common way for young people at present. In addition to normal transfer inquiry, mobile banking has many life services and everything.