Online Banking. Internet of Things

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1 Olie Bakig & The Iteret of Thigs Our icreasigly iteretcoected future will mea better bakig ad added security resposibilities for all of us.

2 FROM DESKTOPS TO SMARTWATCHS Just a few years ago, Americas coducted olie bakig mostly through desktopbased persoal computers. Now, bakig coectivity comes i may forms. Today s household, for example, might iclude oe or more of the followig: smartphoe, tablet, laptop computer, desktop computer ad smartwatch, ay oe of which ca be used to coect to a olie accout ad with each other i some cases. Experts call this itercoectivity the Iteret of Thigs, a term you will likely begi hearig more ad more as the techology develops. With icreasig umbers of devices havig embedded operatig systems comes a wealth of ew opportuities for the ed user. Whether usig your laptop to access your accouts, a Smartwatch to collect your health data, or your Smartphoe to receive firmware updates, what we see as added value, crimials view as opportuities. INTEGRATED SECURITY Oe of the best ways to protect yourself is by takig a Itegrated Approach to security. This simply meas beig aware of where your risks might lie, the addressig each of these risks. 1 Make a ivetory of all your Iteret coected devices phoe, tablet, computer, Smartwatch, etc.

3 2 Evaluate how each device is protected from hackers ad malware. 3 Assess your risk. Ca a hacker gai access to ay or all of your devices? 4 Purchase ad istall the appropriate software protectios for each device. Of key importace: Pay attetio to the Wi-Fi router i your home it is the mai way devices coect to the Iteret. Use a strog password, ame the device i a way that wo t let people kow it s your house, ad keep the router software up to date. Your Security Takeaway: Treat your mobile phoe, tablets ad other devices like your computer. Use strog passwords ad security settigs. Istall ad regularly update security software ad firewalls o each of your iteret coected devices. Build strog protectios aroud your Wi-Fi router, the mai port through which your trasactios are coducted. WIRELESS NETWORKS AND HOTSPOTS Public Wi-Fi ad hotspots are very coveiet, but ot very secure. To be safe, avoid performig bakig trasactios o a public etwork. If you eed to access your accout, try disablig the Wi-Fi ad switchig

4 to your mobile etwork. Keep i mid that the decidedly low-tech problem of a strager lookig over your shoulder is still oe of the biggest threats to your olie security whe you are i public. Your Security Takeaway: Whe bakig i public, disable Wi-Fi ad switch to your mobile etwork. Be wary of stragers watchig your trasactios. Thigs by the Numbers Where is the Iteret of Thigs today ad where is it headed? Experts have some predictios. 87% of the U.S. populatio ages 18 ad above ow or have regular access to a mobile phoe, accordig to Federal Reserve surveys. 2.5 billio The umber of cosumer devices that collect ad store data every day. Experts believe the figure will explode i the ext 5 years. By 2020, 13.1 billio coected devices will be i use by cosumers. By 2018, mobile data traffic will exceed 15 Exabytes that s 12.7 millio years of olie video streamig per moth.

5 FINANCIAL INSTITUTIONS AND THEIR CUSTOMERS I a perfect world, the more data poits your fiacial istitutio has, the stroger the idetity ad privacy protectio it ca provide. By defiitio, the Iteret of Thigs should allow a istitutio more data poits for purchase ad idetity verificatio, which will lead to greater protectio for you, the customer. A recet example is the growig use of ew debit ad credit cards equipped with a computer chip, desiged to improve data security ad reduce the risk of idetity theft. The chip sycs up with the poit-of-sale device at the store, verifyig the autheticity of the card. I the future, biometrics should also assist i the autheticatio process i digital bakig trasactios, with wearable techology icreasig this potetial. Fially, the GPS capabilities o virtually all mobile devices ca help to validate a specific perso s whereabouts as part of the autheticatio process. Your Security Takeaway: Fiacial istitutios are developig complex digital paymet systems, like chip cards, to make trasactios safer. Fiacial istitutios are ivestig heavily i iteral computer security ad traiig to safeguard your persoal fiacial iformatio. Bakig regulators ad idustry workgroups are costatly developig ew measures ad meas to guaratee the safety ad security of olie fiacial trasactios.

6 While the Iteret of Thigs pheomeo is poised to trasform our lives allowig us to remotely access, moitor ad cotrol our home devices via the Iteret it will also make securig all our devices a most importat priority. Your fiacial istitutio is committed to meetig this priority, ad to helpig customers like you uderstad the risks, lear how to mitigate them, ad uderstad why it is so importat to remai vigilat whe usig the uprecedeted coveiece of olie bakig ad the Iteret of Thigs. RESOURCES Stopthikcoect.org Federal Trade Commissio: U.S. Treasury Departmet: Idetity Theft Resource Ceter: FINANCIAL EDUCATION CORPORATION

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