This application is designed to manage your bank account yourself. But Internet banking is a slightly different concept. Moreover, it should be noted that you can manage the Internet bank only from a computer. Of course, modern phones allow you to work with such sites, but security is compromised. It makes no sense to work with such Internet pages even on a tablet. There are many nuances about these rules, which will be described below. And banking software development is ready to help to get great results.
By itself, the mobile bank is a version of the Internet bank, which is configured to work directly with small screens, has an optimized functionality and interface. With its help, you can carry out many operations, including:
- replenishment of electronic wallets;
- making payments for commercial services;
- participation in bank promotions;
- replenishment of the phone account;
- obtaining detailed information about your account;
- blocking an account;
- transfer of your funds to other cards.
That is, the number of possibilities is practically the same as that of a regular website. But you cannot open and close accounts or pay for specific purchases. Since there are restrictions on such actions.
Basically, the mobile bank aims to provide a fast settlement. But sometimes small problems can arise. For example, a mobile bank is somehow trying to lure money out of you in the form of some simple transactions, the amounts of which can be different. As well as the reasons for payment: now for this, now for that.
Previously, mobile banking ran into some problems in the form of freezing payments or transfers, but over time, the problems were resolved. Why is there a security breach on small screens when features work flawlessly and there is no reason to worry? Not everything is as simple as it seems, because small functionality cannot provide full-fledged security of software development.
The Difference Between the Mobile Bank and Other Programs
If you look deeper, everyone understands that a mobile bank is an application that easily provides access to the Internet. But it differs fundamentally from any program. A tablet or mobile phone works in such a way that it can automatically, without additional prompts that may appear on a laptop. But not on a phone, send some information to third-party servers. The latter, in turn, can use the data if they intercept it in their favor.
And so it turns out that funds are lost. In such cases, even the installed antivirus adapted for the mobile interface will not be able to help. Such a “pest” is introduced using a program that cannot be identified. Since no system in the world could control and standardize mobile applications. Distributing and replicating an application is tantamount to the fact that then anyone can make it.
The solution to the problem cannot yet be carried out to the extent that it has just arisen. Consequently, modern banks urge customers to use applications that are located exclusively on the bank’s website. That is why it is recommended to use computers for this system, which can more or less react to the introduction, or at least inform the user about suspicion.
Do not think that security is ensured if the program is downloaded directly from the official website of the bank. Since in parallel with this program, spyware can get into the computer and independently (without user intervention) install. So the bank cannot rid you of it. In addition, the phone may be infected with some kind of virus that negatively affects the shell in its own way. There is no reliable protection, except for passwords. This, by the way, from time to time, is also recommended to be changed.
As a result, we can conclude that the mobile bank is not safe, because it is not possible to restrict it from all sides. Although it works flawlessly. It is not clear when the problem will be solved, but the drawbacks are obvious: there is no special binding to the SIM function and the mobile bank is not an independent program.