This interim report outlines our reasons for carrying out thematic work on mobile banking and summarises the potential risks we identified from our discovery work. We also set out our high-level plans for our future work on mobile banking.
Mobile banking is a broad term that includes using a mobile device (such as a smartphone or tablet computer) to view account information, to make a payment or transfer, or to make a contactless payment from the mobile device.
Mobile banking and payment services have continued to develop and grow in popularity in the UK. We have seen greater choice for consumers, as different types of firms launch a variety of mobile banking products. The innovation and product development that is taking place may provide consumers with greater flexibility to carry out their everyday banking using a new and convenient channel. However, any new technology can also present risks. By publishing this review we want to make sure that the industry knows exactly what we are looking into, supporting firms in mitigating these risks.
Quelle: FCA Financial Conduct Authority
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