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Mobile banking – is it worth being afraid of?



 

Mobile banking – definition

Mobile banking - definition

Banks are increasingly willing and bolder to use modern technologies, offering clients new opportunities. These include not only electronic wallets, but also – mobile applications that are the answer to an ever faster lifestyle. Mobile applications allow the use of a bank account using smartphones or tablets, provided that you have access to the internet. We can perform financial operations, check your account balance on an ongoing basis, or even block your payment card when it turns out that it has disappeared from our wallet. We do not have to contact the call center ourselves, because we will quickly block the stolen payment tool from the screen of your phone. Banking applications allow you to manage your finances wherever we are, regardless of the time of day.

Mobile banking in Poland

Mobile banking in Poland

The Polish mobile banking market is constantly developing. According to the Newsreal report, at the end of 2016 there were as many as 7.7 million users using it. Compared to the previous year, their number increased by as much as 2 million. Although still the largest number of people use online banking, it is impossible not to notice that the next news and conveniences increase the number of customers willing to use the bank on the phone. If banking institutions take care of adapting to the needs of modern customers, this trend will continue. All because mobile banking means convenience in conducting financial operations.

Take a moment to choose a bank

Take a moment to choose a bank

Therefore, if we are not yet a customer of any of the banks, we should ask ourselves, which banking institution will give us the most opportunities in this regard? Choosing the best lender is very simple because you will find valuable tips in payday loans and installment loan rankings. The offer presented on the institution’s websites will help us in choosing the bank, and therefore the best mobile application. We can also be guided by the ranking of cash loans, if by the way we intend to borrow money for larger expenses. We should remember that, just like on a convenient banking offer, we care about using the banking application on the phone. Let’s seek until both of these needs are met.

Users of mobile banking applications

Users of mobile banking applications

The largest group of mobile application users include young people in the 18-24 age group.  Young people usually save money, and despite what older people think about them many times – they think about their future. Therefore, mobile applications are especially useful for them, because they allow you to check your account status from anywhere and control the level at which their savings are located. Keeping an eye on your finances, they never forget about payments and do not cause overdraft. They are aware customers of banks and know that using mobile applications simply pays off.

Why are we afraid of mobile banking?

However, not everyone is happy to use mobile banking. The PBP study shows that 10 percent Poles surveyed do not have mobile banking and do not intend to use it at all. Why are they overwhelmingly more worried than e-banking? According to the MasterCard study, today the bank’s online account already has 85 percent. Poles. As we have already mentioned, we use mobile banking more and more willingly and boldly, but for many of us it is still an unknown area.

We expect safety and convenience

We expect safety and convenience

Research shows that when using mobile banking, we are particularly concerned about the security of our personal data. We don’t trust the login process, although the password or PIN protects us, functional inconsistency also bothers us. We expect the same functions and categories on the phone as on the website, and we don’t always receive it. We also don’t have knowledge about mobile payments. Lack of information raises our fear. And we really have nothing to fear, because banking institutions ensure that mobile applications are functional and secure. They are constantly improving mobile banking, so you should trust it.

Mobile banking is secure

Mobile banking is secure

Mobile banking is completely secure. We can use it without fear, as well as the offer of online loans, which enjoy the constant interest of borrowers. While maintaining safety rules, we don’t have to worry about anything. How then to safely use modern solutions offered by banks? It’s enough that we will:

  • Download the original applications of our bank
  • Use secure internet connections at home or use mobile internet
  • Always agree to update the system and programs installed on mobile devices
  • Remember strong passwords, preferably consisting of a combination of numbers and letters
  • Log in to your account only on your phone or tablet
  • Do not save passwords in the device memory
  • Set limits on possible transactions
  • Use push messages to inform us of any financial operations carried out. Their operation is similar to BIK alerts, which inform us about a phishing loan attempt.

These are simple rules, and yet we often forget about them. Let’s try to remember about them, and mobile applications will be a great convenience for us.

The best mobile banking

The best mobile banking

Banks cannot escape the mobile revolution. Therefore, they must constantly improve the functionality of smartphone applications to gain new customers who want to use modern, well-functioning solutions. According to the 2016 “Next Friendly Bank” ranking, WeBank won the title of “Best Mobile Bank”. It is valued for its simple access to services and intuitive navigation. Customers expect ease in carrying out activities. After all, mobile applications are meant to simplify, not make life difficult for us. If they really help us, we are happy to use innovative solutions offered by banking institutions.

“It’s worth using the modern facilities that are offered not only by banks. Also non-bank institutions are fighting for clients by offering them fully online loans. The possibility of receiving cash in a dozen or so minutes using a telephone or tablet is a great comfort. That is why we are not afraid of mobile solutions, but let us boldly use them.

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