Pesa zilizohifadhiwa kwenye programu za malipo ya simu zinaweza kuwa FDIC insured US watchdog inaonya
(Money stored on mobile payment apps may not be FDIC insured US watchdog warns)
Published: 2023-06-01
1. Programu za Malipo ya Simu ya Mkononi Sio FDIC-Insured: Mada kuu ya makala hii ni kwamba shirika la Marekani limeonya kuwa pesa zilizohifadhiwa kwenye programu za malipo ya simu haziwezi kuwa na bima ya FDIC. Hii inamaanisha kuwa ikiwa mtoa huduma wa programu ya rununu atatoka nje ya biashara, watumiaji hawawezi kurejesha pesa zao. Wakati teknolojia imefanya benki iwe rahisi, ni muhimu kwa watumiaji kuelewa hatari zinazohusiana na kuhifadhi pesa katika programu za malipo ya simu.
2. Hatua za Kupunguza Hatari: Ili kupunguza hatari zinazohusiana na programu za malipo ya simu, nakala hiyo inapendekeza kwamba watumiaji wanapaswa kufanya utafiti wao kabla ya kuchagua programu ya kuhifadhi pesa zao. Kwa mfano, wanapaswa kuhakikisha kuwa mtoa huduma wa programu ana hatua za kulinda fedha za watumiaji ikiwa kuna kufilisika. Wanapaswa pia kutumia programu za malipo ya simu kama akaunti ya sekondari badala ya kama akaunti yao ya msingi ya benki. Katika tukio la shambulio la mtandao au uvunjaji wa usalama, watumiaji bado wanaweza kurudi kwenye akaunti yao ya kawaida ya benki.
3. Kuongezeka kwa Umaarufu wa Programu za Malipo ya Simu ya Mkononi: Makala pia inaonyesha kuongezeka kwa umaarufu wa programu za malipo ya simu katika miaka ya hivi karibuni. Wateja wanageukia programu za malipo ya simu kama njia rahisi ya kufanya malipo bila kubeba pesa au kadi. Programu za malipo ya simu pia zinakubaliwa sana katika biashara mbalimbali, na kuifanya iwe rahisi kwa watumiaji kuzitumia kwa shughuli za kila siku. Hata hivyo, kama ilivyo kwa teknolojia yoyote mpya, ni muhimu kuwa na ufahamu wa hatari na kuchukua tahadhari muhimu ili kuhakikisha usalama wa fedha za kibinafsi.. .
1. Mobile Payment Apps Not FDIC-Insured: The main topic of this article is that the US watchdog has warned that money stored on mobile payment apps may not be FDIC-insured. This means that if the mobile app provider goes out of business,users may not be able to recover their funds. While technology has made banking easier,it is important for consumers to understand the risks associated with storing money in mobile payment apps.
2. Risk Mitigation Measures: To mitigate the risks associated with mobile payment apps,the article suggests that consumers should do their research before choosing an app to store their money. For instance,they should make sure that the app provider has measures in place to protect users' funds in case of bankruptcy. They should also use mobile payment apps as a secondary account instead of as their primary bank account. In the event of a cyber attack or a security breach,users can still fall back on their regular bank account.
3. Increasing Popularity of Mobile Payment Apps: The article also highlights the increasing popularity of mobile payment apps in recent years. Consumers are turning to mobile payment apps as a convenient way to make payments without having to carry cash or cards. Mobile payment apps are also widely accepted at various businesses,making it easy for consumers to use them for day-to-day transactions. However,as with any new technology,it is important to be aware of the risks and take necessary precautions to ensure the security of personal funds.
Reference:
cointelegraph.com