2022年8月30日

隨著數字銀行的普及，網絡安全問題繼續困擾著消費者，並成為大多數美國銀行客戶的切入點。隨著數字銀行的普及，量子度量公司(Quantum Metric)最近的一項調查認為，銀行和消費者都有責任控製日益增多的數字安全問題。Reza Zaheri在《安全信息觀察》上進一步報道:“Quantum Metric最近的零售銀行調查強調了改善網絡安全的必要性，發現31%的銀行消費者最近遇到了數據安全問題——要麼是賬戶被黑，要麼是證書被偷。”個人對個人(P2P)支付等替代銀行技術突出表明，消費者已經擺脫了使用紙幣或支票等看似過時的支付方式，並利用傳統的銀行應用程序，以便在同伴之間輕鬆轉賬。Quantum Metric的調查顯示，72%的消費者會向朋友、家人或潛在的小企業進行P2P支付。這一結果與墨卡托谘詢集團的研究結果相似，該研究發現77%的美國消費者以類似的方式使用P2P應用程序。這一巨大的結果強調了金融機構、P2P應用和相關機構澄清風險並提供解決方案的必要性，正如紮赫裏報告的那樣:“盡管數字銀行交易可能會讓消費者麵臨網絡風險，但這是一種不會消失的銀行形式。為了幫助用戶安全過渡，金融機構應該教育客戶如何安全地使用數字銀行平台，並鼓勵他們設置多因素認證、短信或電子郵件提醒和欺詐監控等功能，以防止可疑的網上銀行活動。”教育方麵是減少欺詐發生和保持良好的客戶滿意度水平的起點，同時認識到預防欺詐需要消費者的認同。我們的墨卡托P2P研究發現，不同程度的客戶滿意度與解決欺詐事件的滿意度相關。 In our research, there is room for improvement from all sectors of the industry with increasingly more room for improvement as solutions become more digital, such as P2P, digital wallets and cryptocurrency. Source: Mercator Advisory Group, 2022 The article also points out easy to implement actions FI’s can take to push their customers to better secure data individually while establishing better corporate policies to enable a more secure overall platform: “Cyber hygiene keeps accounts safe, but many Americans don’t practice it or don’t understand what it means. For example, nearly one in three (30%) of respondents who use a password only change it once or twice a year, with an additional 23% admitting to never changing their password.” These actions create easy to follow procedures for customers to more frequently change passwords and protect their personal financial data and in return the push from the FI creates a higher level of customer satisfaction that their institutions are looking out for the wellbeing of each customers data and money. Overview by Jordan Hirschfield , Director of the Prepaid Advisory Service at Mercator Advisory Group.