What are the advantages and disadvantages of mobile banking?

The advantages of opening mobile banking are: simple, convenient and fast. When there was no mobile banking before, many people went to the bank counter to handle business. Sometimes they have to wait in line for half a day to handle a small business. The disadvantage of opening mobile banking is that bank accounts will face certain risks, mainly from the attack of network violations. If users accidentally reveal their bank account information and password, or are captured by some phishing websites, the remaining funds in the bank account may be transferred.

: Use mobile banking safely: 1. Try not to use free WiFi to log in to mobile banking in public places. 2. Set an appropriate limit according to your usual trading habits and transfer amount. 3. Every time you log in to mobile banking, you should carefully check whether the welcome information is consistent, whether the last login time is correct, and exit in time if there is any abnormality. 4. Click the "Safe Exit" button to exit after use, so as to avoid that the program may still be running in the background. 5. Open SMS notification service. Once the account funds change, the bank will notify the user by SMS as soon as possible to ensure the security of the account.

Mobile banking login password: Mobile banking login password is a password set separately for logging in to mobile banking, which is generally different from bank card password to protect the safety of users' funds. After entering the password incorrectly for three times, the mobile banking will be locked, and you can bring your ID card and bank card to the bank to reset your password.

Daily transfer limit of mobile banking: taking Minsheng Bank as an example. When using mobile banking to transfer money, the maximum single transaction of the same customer per day is 5 million (inclusive). 1 50000 (inclusive) to verify the SMS verification code and transaction password for one-day transfer; 2. When your transfer limit exceeds 50,000 (exclusive) to 200,000 (inclusive), the system will judge whether to use privacy issues (pause), face recognition, Bluetooth USB or dynamic tokens; 3. If the transfer amount exceeds 200,000 to 5 million (inclusive), the system will judge whether to use Bluetooth USB or dynamic token. 4. If the online banking has set a white list for large-value transfer, the mobile banking will transfer money to the newly added white list account, with the maximum daily limit not exceeding 5 million (inclusive).