Smart phone penetration is ever growing as each day passes. most people use smart phones for Facebook, WhatsApp, Twitter, taking pictures, the rest of the uses are negligible such as Bible Apps installed (some have never been opened since it was first installed). Among the Mobile Apps installed are those that help us access and make payments for utilities, school fees et cetera from the comfort of our sitting rooms or bedrooms.
Imagine after a long day, you are all tired, headed home around 8:00 pm and all of a sudden you pounced upon by these wrong elements of society. The goons assault you, grab your handbag or wallet; ransack through its contents, fishing out every single penny you have in there. Usually they stop here after smacking you here and there. Always remember to file a police report and if possible go for medical checkup.
I have heard of a few cases in Kenya where they ask you to walk with them to the ATM and withdraw money on your account too. This is fairly OK because there is always a withdrawal cap, worst case scenario they can detain you for a few days as they keep withdrawing your money in small amounts. Sooner or later someone is going to realize you are missing, report you missing and other processes begin.
Where was l? Lets go back to the innocent phone, everyone nearly has a Financial Mobile App installed in their phone, such Apps range from Mobile Money, E-Banking Apps, PayPal just to mention a few but you get my point?
What if that thief forces you to log in? Forces you to make a bank transfer of what ever contents you have in your actual/available (these things still confuse me) balance to some other bank number or mobile phone? I agree that most of our thugs here are not yet that tech savvy enough basing on police figures of what has been stolen.
What if some day these guys wake up and start “smartly” robbing us clean? What are the safe guards these Apps give us? Can the poor App know its faithful boss is being robbed?
All I’m giving is food for thought, exercise caution.
If the worst comes to the worst and you are very paranoid, l advise you to only download and install such Apps when you need to use it, after transacting go ahead and uninstall.
No need giving the wrong element more creative ideas to steal from you.