October was European Cybersecurity Month. The Warsaw Institute of Banking Foundation, under the patronage of the Polish Bank Association, commissioned the survey \u201cPoles\u2019 attitudes towards cybersecurity 2024\u201d.<\/p>\n
The fascinating results are presented in the \u201cCybersecure wallet\u201d report[1]<\/a>. Below we briefly discuss three findings and encourage you to read the full report.<\/p>\n First, more than half of respondents said they used banking services on a smartphone or tablet through a mobile app (57%). Logging into online banking on a computer was reported by 30%, while only 7% used services at a physical branch.<\/p>\n Given technological developments, the popularity of mobile payments should come as no surprise. Earlier research by the Cashless Poland Foundation had already shown a significant change in payment habits in recent years. While cash was still Poland\u2019s dominant payment instrument in 2018, by 2023 almost two-thirds of all transactions at retail and service outlets were cashless[2]<\/a>.<\/p>\n Second, the survey shows that Poles are open to more advanced payment authorisation: 43% expressed willingness to verify payments using biometric methods, such as fingerprints or voice samples. Interestingly, respondents were distrustful of artificial intelligence as a virtual assistant. Nearly half knew it existed but did not use it, and only 22% used it to expand their knowledge of electronic banking security.<\/p>\n Third, the WIB survey shows that Poles consider phishing\u2014impersonating another institution or person\u2014the greatest digital threat. Respondents were most concerned that this fraud would steal their data (60%) and money (52%). Phishing can occur by telephone as well as online. Unfortunately, only 28% of Poles in such a situation verify a purported employee\u2019s identity by calling the bank or using its app.<\/p>\n The report presents ten basic principles for staying safe online and using electronic banking. Some seem obvious, but it is worth checking whether we actually follow all of them: antivirus software on smartphones as well as computers, passwords of sufficient length, and two-factor authentication of transactions.<\/p>\n Cybersecurity is also the subject of a nationwide Polish Bank Association information campaign. Its \u201cDon\u2019t help yourself get robbed\u201d adverts draw attention to protecting personal and financial data from online fraudsters. The timing is no coincidence: the highest number of cyberattacks occurs towards year-end. Amid Christmas shopping and Black Friday, let us remember to use electronic banking wisely.<\/p>\n [1]<\/a> Cybersecure wallet 2024 report (PDF, in Polish)<\/a>.<\/p>\n [2]<\/a> Payment habits and the development of Poland\u2019s card acceptance network, Polasik Research 2023 (PDF, in Polish)<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" October was European Cybersecurity Month. The Warsaw Institute of Banking Foundation, under the patronage of the Polish Bank Association, commissioned the survey \u201cPoles\u2019 attitudes towards cybersecurity 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mobile banking<\/h2>\n
Biometrics and AI assistants<\/h2>\n
Phishing and fraud protection<\/h2>\n