Taken for granted in the early 21st century is the beloved convenience of internet banking, one of the most heavily visited services available on the internet, and for many clients an abject necessity for whom dealing with old-fashioned banking is an insurmountable task better to be forgotten altogether. ABSA internet banking provides the services which many customers have come to view as a life necessity, as the eschew altogether the prospect of any other form of account access as needlessly 18th-century.
As the developments of certain online-only banks have shown, online banking is popular enough to replace many aging brick-and-mortar banking institutions entirely, which has forced many locations to shut down due to the decreased demand for such in-person services, showing that customer service is less important than direct control, or, perhaps more accurately, customer service is entirely unnecessary if a system is designed so well that clients have no reason to employ such services.
Despite the conveniences offered by such services, it is important to recognize the significant drawbacks of problems, such as online banking security breaches, which can easily ruin the day of even the most happy-go-lucky of ABSA or other customers. Despite the security features at banks such as ABSA, and other institutions throughout the world, security problems still represent a significant threat to customer experience, and cost banks many millions of dollars, euros, or other currencies per year. This is due to the simple technological limitations of current human development, but can also be due to simple oversight, generally on the part of customers, which can easily be avoided to maximize online security and foil the vast majority of attempted fraud efforts.
Firstly, it is important to recognize that one’s user name and passwordeffectively the key with which one’s account is unlockedneed to be protected as with any other set of keys one might own, or any account information of any kind. If this information is to fall into the wrong hands, it can easily be used to galavant happily around an unsuspecting customer’s ABSA or other banking account, which will have less than pleasant implications for anyone subjected to such a misfortune. Protecting one’s password should be of the utmost importance; luckily, one need simply memorize this information, and never tell it to anyone. A particularly clever method of accomplishing such a feat is to make the password an extraordinarily embarrassing dirty word combined with randomly inserted numbers, which will make the account holder far less likely to divulge when in mixed company.
Also important is a healthy paranoia regarding unsolicited contacts, whether in person or through email, which often request sensitive details such as the above information. If such a contact is to occur, it should be ignored, especially if the email or text contains links to a certain website, which is most likely to be fraudulent. Banks, because they explicitly recommend avoiding following links within emails (customers should type the web address directly into the browser), will not generally include these links with an email. Even if the email looks like it’s from the bank (logos can be used by fraudsters too), it should be ignored, reported, and if a client wants to contact the bank, the bank address should be typed into the browser, or a customer service number (NOT the one listed in the email) should be used.
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