First, banks need higher security: the mobile banking APP can be said that your family is inside, whether it is a credit card or a savings card, if you don't need to log in, you can enter directly. I think the money in your body was stolen in minutes. Now, in order to provide the convenience of mobile payment, security is actually sacrificed to some extent. Many payments only need a mobile phone verification code. If you don't log in, you don't even have the most basic anti-theft measures, just like if your door is not locked, people will come if they want.
In fact, the current mobile banking APP login is very simple. Really, it's too simple. Many banks only need to enter a 6-digit password and a gesture password to enter. I don't like this login method. I don't think my property is secure. Someone who knows you a little better may have guessed your password.
Second, you can't have both safety and convenience: finally, please remember that you can never have both safety and convenience. There is no absolute security and convenience. If you want to be safe, you must give up more convenient operation. If you want to enjoy the convenience of mobile payment, you must sacrifice security. There are many questions about the security of Alipay payment code in Wukong Q&A, which well reflects the contradiction between security and convenience. Many users think that it is unsafe for merchants to scan code to pay without a password, and some users think it is more convenient. Just sweep the cashier and it's over.
Therefore, there can only be a relative balance between security and convenience, just like the current mobile payment app does. If the mechanisms of Alipay and WeChat are different from those of mobile banking APP, they cannot be compared. In fact, the bank has also considered the convenience of use to the maximum extent, greatly optimizing the way of account login (I personally don't like this way).
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Pay attention to the following when opening the face-brushing login function of mobile banking APP:
1. You can use Face ID login, gesture login and password login at the same time. When logging in, you can choose to brush your face to log in, or click "Switch Login Mode" in the lower left corner of the login page to select other login modes.
2. After the face-brushing login is turned on, the priority of the user login verification mode is: face ID)- gesture-face-brushing password.
3. If the face matching fails for three consecutive times, lock the face and log in for two hours, and adopt the next priority login mode. If the login is successful, it will be automatically unlocked.
Operating environment: (iphonexr 14.7. 1 open Baidu App 12.26.5. 10).