Finance APP popular phones, but watch out for risk-banking application, Internet banking, banking-IT news Finance APP popular phones, but watch out for the risk
With the emergence of Internet banking, financial class APP will find it increasingly people respected that. And experts caution that, while financial management classes many APP brings users the convenience, but wary of its risks.
Reporters in mobile application stores, enter "Managing" two words, came out as many as 630 financial class APP, an accounting APP downloads at 19.12 million times.
Huatai securities Banking Analyst Lin Bocheng said that domestic personal banking business in China has just started to develop, personal financial services provided by banks and other financial institutions and did not fully satisfy the customer's requirements, now there is demand for personal finance banking APP is most original supplements.
In addition to accounting APP, an increasing number of banks have also launched its own APP terminals, users can be achieved through the APP shop, buy, exchange traded funds, precious metals trading and so on. Lin Bocheng said APP terminals in banks can manage their own bank card business, to other bank card is exclusive. "Banking APP defect to a third-party APP development space is provided. ”
Although banking APP gives customers a convenient, increasingly respected by people, but experts warn the user risks associated.
According to the cloud networks founder Fang Xiaodun introduced through informal channels to download APP software is more difficult for infected, banking APP the greatest risk on the operator's own cloud. If software developers, technical force is not strong enough, the product is vulnerable to hacker attack, leading to user information is modified or compromised.
"Development finance APP company cohabitation, coupled with weak regulation, easily lead to financial risks APP products. "Lin Bocheng said that banking APP to the operator through data analysis, control consumer spending patterns, and then sell that information out, lead to the disclosure of consumer information.
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理财APP风靡手机，但要提防风险 - 理财应用,互联网金融,理财 - IT资讯
理财APP风靡手机，但要提防风险
随着互联网金融的出现，各类理财类APP日益受到人们推崇。而相关专家也提醒，虽然理财类APP能给用户带来诸多便利，但还是要谨防其带来的风险。
记者在手机应用商店中输入“理财”两个字，出来了多达630款理财类APP,一款记账APP的下载量达到了1912万次。
华泰证券银行业分析师林博程说，中国国内个人理财业务刚刚开始发展，银行等金融机构提供的个人理财业务并没有完全满足客户的要求，现在出现的理财APP是对个人理财需求最原始的补充。
除了记账APP之外，越来越多的银行也推出了自己的APP终端，用户通过该APP可以实现购物、买基金、进行贵金属交易、外汇买卖等。林博程表示，银行的APP终端一般只能管理自己的银行卡业务，对其他行的银行卡是排斥的。“银行APP的缺陷给第三方APP的出现提供了发展空间。”
虽然理财APP给顾客带来各种便利，日益受到人们的推崇，但相关专家也提醒用户注意风险。
据乌云网创始人方小顿介绍，通过正规渠道下载的APP软件是比较难感染病毒的，理财APP最大的风险在运营者自身的云端上。如果软件开发者的技术力量不够强，产品就很容易被黑客攻克，导致用户信息被修改或是泄露。
“开发理财APP的公司鱼龙混杂，加之监管薄弱，容易导致理财APP产品出现风险隐患。”林博程说，理财APP的运营者可以通过大数据分析，掌握消费者的消费模式，然后把相关信息卖出去，导致消费者信息泄露。
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