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SA banking customers feel safer over the counter

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A recent survey has revealed that almost half of South Africans believe that traditional over-the-counter banking is safer than doing so online.

Almost half (43%) of Internet users in South Africa believe traditional over-the-counter banking is safer than banking online, according to a survey carried out by Kaspersky Lab and B2B International. Despite these fears most people still make some payments online but many fail to take even basic security measures, putting their money and banks’ reputations at risk.

One of the easiest ways for criminals to access online bank accounts is to pose as the account owner. This can be done by getting information about the account, setting up a phishing page where users unwittingly hand over their usernames and passwords, or by intercepting username and password data with a banking Trojan when users log on to their bank’s legitimate pages. Traditional computers and mobile devices are both vulnerable to these attacks.

The survey shows that a significant number of users (64%) feel vulnerable when making financial transactions online. Moreover, just less than half (49%) reported they believe making payments offline is more reliable than online and 43% agreed that offline banking is the safer than online banking.

However, in spite of these fears, the majority of Internet users make online payments: 74% of those surveyed use their desktops or laptops for online payments, 22% locally use their tablets, 32% use their smartphones, and 14% of Smart-TV owners admitted using their Smart-TV for such operations. At the same time, according to the survey, 15% of users do nothing to protect their financial data online.

If customers choose traditional over-the-counter banking, from fear of falling victim to Internet fraud, it will hamper the adoption of high-margin online and mobile payment systems. This will force banks to invest more of their resources in low margin branches instead. Meanwhile, among those who have adopted online and mobile payments, there is a persistent security concern as they may be putting their money – and the bank’s reputation – at unnecessary risk. That is why today it is vital that banks invest in technology ensuring a secure banking environment for their customers. This approach will not only reassure customers who prefer in-branch banking that online and mobile banking is secure, it will also reduce the risk for careless customers, who might otherwise lose important financial data,” said Ross Hogan, Global Head of the Fraud Prevention Division at Kaspersky Lab.

One solution to this problem is Kaspersky Fraud Prevention, a multilayered protection platform designed specifically for banks. Kaspersky Fraud Prevention secures the financial data on customer devices, thereby increasing user loyalty and reducing the risks of the bank having to investigate incidents, pay compensation, and restore its reputation after a security breach. The platform can protect the owner of almost any device, be it a Windows PC, Mac, Windows Phone, Android or iOS.

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Android Go puts reliable smartphones in budget pockets

Nokia, Vodacom and Huawei have all launched entry-level smartphones running the Android Go edition, and all deliver a smooth experience, writes BRYAN TURNER.

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Three new and notable Android Go smartphones have recently hit the market, namely the Nokia 1, the Vodafone Smart Kicka 4 and the Huawei Y3 (2018). These phones run one of the most basic versions of Android while still delivering a fairly smooth user experience.

Historically, consumers purchasing smartphones in the budget bracket would have a hit-and-miss experience with processing speed, smoothness of user interface, and app stability. The Google-supported Android Go edition operating system optimises the user experience by stripping out non-important visual effects to speed up the phone. Thish allows for more memory to be used by apps. 

Google also ensures that all smartphones running Android Go will receive feature and security updates as they are released by Google. This is a major selling point for these smartphones, as users of this smartphone will always be running the latest software, with virtually no manufacturer bloatware.

Vodafone Smart Kicka 4

At the lowest entry-level, the Vodafone Smart Kicka 4 performs well as a communicator for emails and WhatsApp messages. The 4” screen represents a step up for entry-level Android phones, which were previously standardised at 3.5”.

The display is bright and very responsive, while the limited screen real estate leaves the navigation keys off the screen as touch buttons. It uses 3G connectivity, which might seem like an outdated technology, but is good enough to stream SD videos and music. Vodacom has also thrown in some data gifts if the smartphone is activated before the end of September 2018. 

Its camera functionalities might be a slight let down for the aspirant Instagrammer, with a 2MP rear flash camera and a 0.3MP selfie snapper. Speed wise, the keyboard pops up quickly, which is a huge improvement from the Smart Kicka 3. However, this phone will not play well with graphics-intensive games. 

Nokia 1

Next up is the Nokia 1, which adds a much better 5MP camera, improved battery life and a bigger 4.5” screen. It supports LTE, which allows this smartphone to download and upload at the speed of flagships. It also sports the Nokia brand name, which many consumers trust.

Although the front camera is 2MP, the quality is extremely grainy, even with good lighting. This disqualifies this smartphone for the social media selfie snapper, but the 5MP rear camera will work for the landscape and portrait photographer. 

The screen also redeems this smartphone, providing a display which represents colours truly and has great viewing angles. Xpress-on back covers allows the use of interchangeable, multi-coloured back covers, which has proven to be a successful sales point for mid-range smartphones in the past. 

Huawei Y3 (2018)

The most capable of the Android Go edition competitors, the Huawei Y3 (2018) packs an even bigger screen at 5”, as well as an improved 8MP rear camera and HD video recording. The screen is the brightest and most vibrant of the three smartphones, but seems to be calibrated to show colours a little more saturated than they actually are. 

Nevertheless, the camera outperforms the other smartphones with good colour replication and great selfie capabilities via the 2MP front camera – far superior to the Nokia 1 despite the same spec. LTE also comes standard with this smartphone and Vodacom throws in 4G/LTE data goodies until the end of September 2018. The battery, however, is not removable and may only be replaced by a warranty technician.

Comparing the 3

All three smartphones have removable back covers, which provide access to the battery, SIM card and SD card slots. The smartphones have Micro USB ports on the bottom with headphone jacks on the top. The built-in speakers all performed well, with the Y3 (2018) housing an exceptionally loud built-in speaker. 

Although all at different price points, all three phones remain similar in performance and speed. The differentiators are apparent in the components, like camera quality and screen quality. It would be fair to rank the quality of the camera and battery life by respective market prices. The Vodafone Smart Kicka 4 performed well, for its R399 retail price. The Nokia 1, on the other hand, lags quite a bit in features when compared to the Huawei Y3 (2018), bwith oth retailing at R999.

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SA gets digital archive

As the world entered the centenary of Nelson Mandela’s birth on Mandela Day, 18 July 2018, South Africa celebrated the launch of a digital living archive. 

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The southafrica.co.za  site carries content about the country’s collective heritage in South Africa’s eleven official languages.

Designed as a nation building,  educational and brand promotion web based tool, the free-to-view platform features award-winning photographic and written content by leading South African photographers, authors, academics and photojournalists.

The emphasis is on quality, credible, factual content that celebrates a collective heritage in terms of the following: Cultural Heritage; Natural Heritage; Education; History; Agriculture; Industry; Mining; and Travel.

At the same time as reflecting on the nation’s history, southafrica.co.za celebrates South Africa’s natural, cultural and economic assets so that the youth can learn about their nation in their home language.

Southafrica.co.za Founder and CEO Hans Gerrizen conceptualised southafrica.co.za as a means for youth and communities from outlying areas to benefit from the digital age in terms of the web tool’s empowering educational component.

“We can only stand to deepen our collective experience of democracy and become a more forward planning nation if we know facts about our nation’s past and present in everyone’s home language,” he says.

Southafrica.co.za, with sister company Siyabona Africa, is the organiser and sponsor of the Mandela: 100 Moments photographic exhibition that runs until 30 September at Cape Town’s V&A Waterfront-based Nelson Mandela Gateway to Robben Island.  The 3-month exhibition, which runs daily from 08h00 until 15h00, is showcasing one hundred iconic Nelson Mandela images taken by veteran South African photojournalist and self-taught lensman Peter Magubane.

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