“Do you have a new phone number, Laura? And do you need money? ” My parents sometimes ask. They also often receive emails about credit cards about to expire. They usually know the first time that it is not right, but they ask anyway. The more emails that follow on the topic, the more nervous they become. Of course you don’t want your credit card to be taken out or your child in trouble. Phishing, especially when it comes to bank details, is a major problem. At the same time, banks are not doing enough to provide clarity.
Banks that update their apps
“You have a message, check your message box”, you are regularly reminded by your bank that you have an essential message, even though it is not always that urgent. Do I really need to be informed that I have a message that there is work on a night from 02:00 to 04:00? I’d rather be pointed to something else. Banks are constantly updating their apps, which is one of the reasons why those maintenance times are during the night. What they fail to mention, however, is what exactly they change.
In recent weeks, I have noticed several times that my banking app looked different. I made a payment at a pin device and first the confirmation screen with my virtual card looked different, then the interface of the screen in which I enter my pin code also changed. These are fierce changes: you will only end up on a page of a hacker, it could just be, because it looks different than I am used to from my bank.
Ultimately, things go well, but it is nevertheless remarkable that banks make major visual changes to their apps, which they subsequently fail to properly report to their customers. Customers who are on the alert this year, with more phishing attacks than ever before. Nowadays you have to know what your bank’s apps, e-mails and website really look like, to be able to keep seeing the difference between hackers’ websites.
Many people now know, partly thanks to large national campaigns and the sharing of messages on social media, that if your child asks for money via an unknown number on WhatsApp, it is probably not your child. In any case, it seems logical to me that you give your parents a call when you are short of money, even if it is only a tenner. These are “protections” that you can easily implement yourself. You can agree with your parents, so that they always know that when they get another crazy text or app, they can ignore it.
Phishing and hackers
However, it becomes more difficult to account for changes if banks do not notify us themselves. Any hacker can take over ING Orange or recreate the Rabobank website and it is now becoming increasingly difficult for us to trust what we see every day on apps and sites.
Especially if you are in the Appie and you want to make contactless payments quickly and easily, then you should quickly assume that what you see on your screen is correct. In any case, I prefer my bank to let me know what has changed visually in the app, or what is being A-B tested, so that I can anticipate that. Much more interesting than being able to transfer nothing from 2 to 4 in the morning, right?