Mobile devices are likely to be the next major battleground for banks in the fight for Internet banking supremacy. For example, banks could send text messages or e-mails to customers' cell phones to alert them that their payment is due, they've surpassed the credit limit on their credit cards, or their stock trade has been completed.
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Security Concerns
As they expand their online offerings, banks also have to fight the battle of perception versus reality regarding the security of their Web services. Identity theft, viruses, spyware, adware, spamware, phishing, pharming and other Internet threats have eroded the confidence of some consumer and corporate banking clients in recent years. However, the tide is starting to turn, according to at least one survey.
An independent online-security survey commissioned by TD Bank Financial Group, which polled 1,500 of its personal and business banking customers across Canada, found that clients are feeling less worried about the security of banking online than they were last year. Only 14 percent of non-online banking users cited security concerns as their reason for avoiding it, down 53 percent from a year ago, according to TD. |
