The survey on 'Cybersecurity and digital channel usage habits', prepared by CECA, shows that the majority of users consult and perform banking transactions digitally. Banks send out communications with advice and warnings about potential fraud.
Cyberattacks are a major concern for the population. The survey on 'Cybersecurity and digital channel usage habits', prepared by CECA in collaboration with Sigma Dos, has shown that for 85.9% of those surveyed, the severity of this threat receives a score above 7 out of 10, with an average of 8.3.
In other words, people are aware of the dangers of on-line transactions. However, only half believe that they could be the victim of such an attack. This means that 50% believe that cyberattacks are a threat, but that they will not happen to them.
Despite this, 6 out of every 10 survey participants acknowledge that they lack the appropriate knowledge to deal with such a situation. However, only 65% of those who participated in the CECA survey (an association representing CaixaBank, Kutxabank and CajaSur Banco, ABANCA, Unicaja, Ibercaja Banco, Caixa Ontinyent, Colonya Pollença and Cecabank, and more than thirty foundations) think that they take sufficient protective measures. The most common measures are: updating devices (57%) and apps (50%), as well as antivirus activation (37%), avoiding the use of public networks.
TRUST IN THE BANKING SECTOR
Of those surveyed, 4 out of every 10 use digital banking channels on a day-to-day basis; when asked who accessed these channels on a weekly basis, this figure rises to 9 out of every 10. These channels are used in particular to check the balance or account movements, as well as to make on-line purchases. Those under 30 years of age use them mainly to send Bizum.
This frequent use of digital channels is supported by a high level of user trust in the security offered by digital banking. Thus, 84% of those surveyed said they felt secure when operating with digital banking. Compared to other digital service providers, banks are the most trusted entities when it comes to managing and protecting their data, followed by the Public Administration. In the same ranking, social networks ranked last
HOW DO THEY PROTECT US?
Banking data is very sensitive to cyberattacks. For this reason, banks are constantly concerned with warning their customers of potential fraud.
These initiatives include communications warning customers of the techniques used by cybercriminals and reminding them of the security measures at their disposal. However, despite the fact that 85% of the participants in the CECA survey acknowledge receiving these messages, only 54% pay attention to them.
Despite all these efforts by banks to raise awareness of cyberattack protection measures, 20% of respondents mistakenly believe that their bank or savings bank may contact them and ask for codes and passwords through suspicious e-mails or fraudulent calls. This lack of knowledge is a risk because these are the means most commonly used by criminals. Some 73% of the participants had received suspicious contacts via e-mail, SMS or Whatsapp, 35% had been contacted by strangers through social networks and 42% had received bogus calls. As a precaution, it is important to activate notifications of movements or access with biometric data.
Faced with this type of situation, 78% of the people surveyed feel that their bank is concerned about their security and 3 out of 4 are satisfied with the cybersecurity measures adopted by banks. In addition, cyber fraud victims approve with a good rating the attention received from their bank or savings bank in these situations. The sum of these factors means that users believe that banks are the best prepared to deal with this problem.
ALL AGE GROUPS
The digital divide is sometimes referred to as one of the greatest dangers when dealing with cybercriminals. However, the survey prepared by CECA in collaboration with Sigma Dos shows that 28% of young people between 18 and 29 years of age mistakenly believe that their bank may contact them through unofficial channels to ask them for personal data.
In addition, young people pay the least attention to the notifications sent by banks (33%) compared to those over 65 years of age, who pay the most attention (67%).
Digital natives, because they are familiar with technological advances, have a 100% digital relationship with their bank, which makes their financial and digital education more important to avoid risks and fraud in on-line transactions.
