Generally speaking, online transactions are safer now. Alipay's transaction mainly includes three parts. First, it is your own equipment, computers or mobile phones, and most of them use mobile phones. Then there is Alipay's server, and then there is the communication network between your mobile phone and Alipay's server.
The server of Alipay is the safest part, and the communication service in the middle is also very safe. Generally, your account and password will be encrypted and transmitted, and there will be almost no accidents in which information is intercepted. The most prone to security risks is your mobile phone part.
Nowadays, people almost never leave their mobile phones, but they neglect to manage their security. Many mobile phone software will carry viruses to steal your information, and send the account password you entered from the mobile phone keyboard to other places through the program. Although different mobile phones have different security systems, it is also very necessary to install security software on mobile phones. Turn on the automatic update function, update the virus database, remind the virus interception software in real time, and add a protective net for your mobile phone safety.
When choosing an online fund platform, you must also choose a platform with the qualification of fund consignment.
Does Alipay have the qualification to sell funds on a commission basis? Alipay's fund channel is linked to Ant Wealth, which holds 68.83% of the shares of Hangzhou Jimmy Fund Sales Co., Ltd. through Ant Financial. Therefore, holding a fund sales license can legally sell the fund, and the management and operation of the fund ultimately belong to the corresponding fund company.
To say the least, even if Alipay goes bankrupt, your fund share can still be recovered through the fund company.
Therefore, to ensure the safety of buying funds in Alipay, it is necessary to keep your account and password and protect your mobile phone.