Security : Although this is not a major concern for consumers now, it will become increasingly important as mobile banking and other similar applications gain popularity.

安全性 ：虽然现在来说，这不是消费者关注的头号问题， 但随着手机银行和其他类似的应用得到普及，安全会变得越来越重要。

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Security: Although this is not a major concern for consumers now, it will become increasingly important as mobile banking and other similar applications gain popularity.

安全性：虽然现在来说，这不是消费者关注的头号问题，但随着手机银行和其他类似的应用得到普及，安全会变得越来越重要。

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In other research, conducted for UK ID security firm Intercede, a startling 44% of consumers said they would never use a mobile banking service.

在另一个由英国身份安全公司进行的调查中，得出了令人惊讶的结果：44%的消费者表示，他们永远也不会使用手机银行服务。

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Moreover for security reasons, mobile banking requires a separate microchip that is not part of normal phones.

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To allay these security fears the mobile banking providers need to create an environment for safe transactions by addressing concerns around authentication, theft, fraud, hacking, malware, and so on.

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"In this era of mobile banking, use of counterfeit devices, which are manufactured without due consideration to the recognised security standards, may expose our mobile money systems as well as the wider banking and financial system to unnecessary risks, " said the communications secretary Dr Bitange Ndemo.

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