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Although it does not seem logical, cell phones may actually be a more secure way to carry out banking transactions than using personal computers. The reason is that there is a notable lack of threat from mobile malware due to the fact that cell phones run many different operating systems. It does not behoove a crook to spend a lot of time developing malware that will only target a certain type of phone. This absence of security threats, at least for now, makes using one's cell phone an attractive way to pay bills or check statements online. There are a plethora of financial services available for cell phones including PayPal, Obopay, mChek, and KushCash. Of course, cell phones are not completely safe. They may, in fact, be more prone to phishing than PCs because mobile browsers do not enjoy the protection of built-in antiphishing protections so afforded by Firefox and Internet Explorer. As Google works hard on its Android phone OS, and more people use iPhones, cell phones will likely become more of a desired target for crooks and phone-specific risks with phishing and malware will likely go up. For now, the greatest danger in using one's cell phone comes when the phone is stolen or lost, and security firms are trying to make themselves noticed by adding the ability to remotely wipe out data to its mobile security products.
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