Is mobile banking safe?

Security is quite high. Users must open SMS to open mobile banking. The function of SMS is to know the changes of bank card funds in time. Every deposit, transfer and entry of funds will be promptly reminded by SMS. With the balance, customers can know every detail at the first time and take timely measures when they encounter financial risks.

1. Mobile banking refers to a channel mode in which banks use smart phones as carriers to let customers use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved [1]. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is not only a product, but also a channel, which belongs to the category of electronic banking. Connecting customers' mobile phones with banks through mobile communication networks can realize a brand-new business product, which can directly complete various financial services such as account inquiry and account transfer through the mobile phone interface, that is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts, thus realizing the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode business function that combines electronic money and mobile communication services.

3. Account management. Provide customers with account management functions such as balance inquiry, daily detailed inquiry, historical detailed inquiry, registration card maintenance, loss reporting and default account setting.

4. Transfer and remittance. Mobile phone remittance is a function that customers use WAP to transfer money to their default account by inputting the payee's bank card number or mobile phone number.

5. Payment business. Through this function, customers can pay daily project fees, support customers to submit payment appointment instructions after working hours (branch business can only be started after confirmation), and the system will handle business for customers during working hours. After the payment is successful, the items can be saved in my payment items, and customers can also pay, inquire, add or delete personal payment items through my payment items.

6. Mobile phone stock market. Customers can query the stock information of Shanghai Stock Exchange and Shenzhen Stock Exchange through WAP, enter the stock code in "Customize My Stock", and customize or delete the stocks they care about. Customers can realize bank-to-securities company, securities company-to-bank and related inquiry transactions through the "third-party depository" function, and can also link the WAP website page of brokers to conduct stock transactions [5].

7. Fund business. Customers can know the detailed information of a fund (including fund code, name, type, net value, historical net value, etc.). ) According to the fund company, fund type, fund code and optional fund. ), and set the key funds as self-selected funds, and you can also quickly and conveniently conduct fund subscription, subscription, fixed investment, redemption, withdrawal, balance and historical details inquiry [5].

8. Precious metals. Provide customers with the functions of inquiring the real-time price of RMB paper gold (including bank buying price and bank selling price), trading paper gold or setting up paper gold entrusted transactions (including profit entrustment, stop loss entrustment and two-way entrustment), and inquiring the accumulated balance and account information of brand gold according to the real-time price of RMB paper gold [5].

9. Credit card business. Provide customers with credit card (including credit card, debit card and international card) balance and transaction details inquiry function, return overdraft of local and foreign currency accounts to their own credit cards, and support credit card installment payment function.