En 2020 los smartphones supondrán el 80% del mercado de los servicios bancarios, según el informe ‘Ditrendia: Mobile en España y en el Mundo 2016’. Unas cifras que se entienden debido a lo “adictivo” que resulta la banca móvil, ya que un 20% de los usuarios asegura consultar su aplicación de banca una o varias veces al día y un 42% lo hace varias veces a la semana. Este incremento en el uso de los servicios bancarios a través del smartphone, tablet u ordenador puede conllevar algún susto si no se cumplen ciertas medidas de seguridad. Con motivo del Día de Internet Seguro, que se celebra el martes 6 de febrero, el banco digital Self Bank quiere poner de relieve tanto las medidas que toman las propias entidades como las precauciones que deben tener los usuarios ante el aumento del acceso a sus cuentas desde dispositivos tecnológicos.
En el último año se ha detectado un incremento del uso de troyanos bancarios por parte de ciberdelincuentes, según desvela el ‘Índice de Impacto Global de Amenazas’ de Check Point. Uno de los más utilizados es un ‘malware’ que identifica a través de métodos como el “keylogging” si el usuario está visitando la página web de su banco e intenta sustraer sus datos de inicio de sesión y su PIN. Existen otros que dirigen a los usuarios a páginas bancarias falsas que imitan a las originales para obtener más información personal, es lo que se conoce como “phishing”.
Conscientes de estos ciberataques, las entidades bancarias refuerzan sus medidas de seguridad para ofrecer una mejor experiencia de usuario. “Algunos bancos optamos por Trusteer Rapport, un software de seguridad líder, que garantiza una comunicación segura entre los sitios web de negocios y sus clientes y, sobre todo, protege a la hora de acceder a las cuentas bancarias online”, explica Victoria Torre, responsable de Desarrollo de Contenidos, Productos y Servicios de Self Bank.
Otras medidas que se ponen en marcha son la petición de registro del navegador cuando la entidad bancaria registra una conexión desde un dispositivo que no es el habitual, el cifrado de dato o las capas de seguridad. Además, con el fin de mitigar el fraude se implantan sistemas para detectar anomalías y usos fraudulentos, sistemas de geolocalización o de reconocimiento de patrones de navegación online de los clientes, y alertas por SMS al dispositivo móvil del usuario, entre otros.
Aunque las entidades bancarias fortalecen sus sistemas de ciberseguridad, los usuarios también tienen que tomar una serie de precauciones para no ser víctimas de ciberataques. “Acceder desde redes seguras, ordenadores o dispositivos habituales y no desde redes abiertas; no guardar los datos confidenciales como números de cuentas o contraseñas; comprobar que la página tiene un candado o cambiar las claves con frecuencia son algunas de las cautelas que debemos de tener a la hora de utilizar tanto la banca online como cualquier otra página web o plataforma de comercio electrónico”, puntualizan desde Self Bank.
Fuente: https://www.revistabyte.es
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