Recently most people in our communities have
been dwelling into techno-services since they are time saving and more efficiency
compared to the manual system used to exist before that. We no longer have to
stand in the long queues at the banks or waiting at the local electric payment
office with a lot of bureaucracy waiting to pay electric bill. Yes, definitely
is a great achievement compared from where we come from but “in every action
there is equal and opposite reaction” Sir Isaac Newton. It works in laws of
physics but it is practically working in real life also. Mobile banking has
come up with a lot of challenges also although its efficiency, time saving and
easy to use. Before starting to use mobile banking services you should know the
following:
The value of your password, recently I heard
on the news people have been receiving text messages and calls from “social
engineers” people who use trickery methods to get your details and use it
abusively to attain your personal data or even steal at your account never send
your password to anyone I repeat anyone even if he said is from a bank, is better
to take a risk and drop to the bank instead taking a risk of witnessing your
savings lost in the dark.
Understand the service, take your
time to understand the service before start using it and don’t just use it
because everyone is using the service. Remember, if the money got lost is yours
not anyone else’s. If there is some digits you need to know or some number to
dial make sure you write it somewhere and confirm several time before starting
using it.
Always save the details somewhere, the inbox confirmation messages of
the services you receive after transaction they are very vital to you. It is
the only possible way to track your money once it is misplaced in the network
or being received by unexpected recipient in the process of sending it. Do not just delete the message soon after
transaction you might want to have a backup of it’s in your records in your PC
if the transaction was a large amount of money.
These messages usually contain details like time of transaction,
transaction ID number, place where it was sent and received and so on, these
details are vital to the guy at the customer services.
Don’t take chances, if you are not sure to whom you are sending the
money or if the service is agreeable to the other company don’t complete the
transaction until you are sure on what you are doing for example, I had some
serious trouble one time when I sent some money to my young sister at Dodoma
University expecting it is possible for her to receive money in her Vodacom
M-PESA account while I sent the money using Tigo PESA, actually I lost the
money until today. I don’t say it is not working but a lot of disturbances
might occur. Enjoy the technology but please always be aware of the risks
behind you all the time.