Almost everyone has a smartphone which in the last 10 years has seen a real form of impact which is certainly very multi-purpose linked to the context of information but also of normality, bringing together extremely diversified functions, previously thought to be exclusive to specific areas, and for several years even not too expensive devices have made it possible to make payments directly with the telephone. However, there are obviously advantages and disadvantages of this type of operation when paying by telephone.
Let’s try to understand first of all how it works so as to progressively understand the risks and positive opportunities of these areas.
Advantages and disadvantages represent the cross and delight of every form of possible invention, this too is no exception.
Be careful when paying by phone: here are all the main advantages and disadvantages of this form of payment
Modern smartphones are increasingly equipped with a particular chip called which allows access to the NFC sensor, i.e. one not dissimilar to the one present on our debit or prepaid cards, which therefore allow the transfer and passage of data via terminal .
This allows, with the appropriate software of modern smartphones, to literally pay using your bank details, inserting them into the most popular systems which are obviously Android and IOS.
The advantages are many, starting from both conceptual and physical practicality: all devices give access to the possibility of virtually inserting our cards into a single device, eliminating the need to carry and possibly lose physical cards.
There are no “pure” disadvantages other than those related to security: it is a good idea to use exclusively the native apps, which are Apple Pay and Google Pay, for entering our personal data, as well as in relation to the “quality” of protection of the mobile phone, which can also be illegally deprived by illegal hidden applications. So before entering our personal data it is a good idea to understand whether compromising conditions are actually present in some way.
In itself, the transfer of information and therefore the possibility of paying via NFC and card is practically identical, and therefore has the same potential risks which are obviously outweighed by many advantages.
It is also an excellent idea to always keep the notifications of the various banking apps active in addition to those of the already mentioned Google Pay or Apple Pay so as to have an immediate view in case of payment.
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