Technological advances have led to today’s smartphones boasting enormous versatility. To such an extent that today it is even possible to pay with your mobile, although there are who do not end up trusting this method and they prefer to carry their card physically, but is it really more secure?
The era of digitization generates as a consequence that we have all our data stored on the phone, be it photos, messages, work activities, books, music and even bank details. The possibility of accessing the corresponding bank and carry out processes without the need to attend in person is one of the main strengths of this advance. Of course, the alternative of physically presenting oneself is still viable, although this sometimes means long lines and almost endless waiting. So we are going to assess the advantages of each process.
Carrying the card on your mobile is safe
For some time there has been option to execute contactless payments with the credit card, but the problem it presents is that we need the physical card for it. With the advent of NFC and applications such as Google Pay, forgetting the card at home is not a problem, while it also has several positive aspects compared to the physical format.
The first of them is that the card data does not appear on the mobile in such a colorful way. I’m sure you know that your bank account access information is on the back of the card and anyone can get it if it’s stolen or pay attention if you have it in your hand. Instead, your device will not show anything sensitive about the transactions you carry out. In addition, smartphones have different security mechanisms to keep cyber threats at bay.
On the other hand, it is important to note that refusing the mobile phone in this type of situation does not guarantee that you are safer. Mainly, because having the physical card in your wallet can also mean a danger. There are criminals who use advanced methods to make a copy of the card and the only way to avoid it is to have a wallet with metallic protection. This kind of armor makes it impossible to receive signals from the outside, although it does add some extra money to your pocket. Another alternative is to buy a cover with RFID protection for the card, which works as a kind of inhibitor.
You can pay with complete peace of mind
Current smart phones have integrated security systems in the main payment management applications, such as Samsung Pay, Google Pay or Apple Pay. Not to mention that, if you have deactivated the NFC of the deviceit will be impossible to access the card or its data.
Although it is true that there is a possibility that your phone will be stolen, but there should be no problems, since these kinds of apps do not show the data just like that. In addition, it is most likely that you have a lock pattern so that it is impossible to access the entire smartphone. So today it can be much safer to use our mobile as a form of payment, so you shouldn’t be afraid.