Wake up and smell the hack.

"Mobile banking, I would argue, presently, is significantly more secure than is online banking," said Kevin Travis, a partner with Novantas, a New York-based management consulting firm.

For skeptics, that may be the shocker. Some financial IT consultants insist that, although online banking is 20 years old and mobile is younger, maturity has not necessarily produced a safer banking platform when users log into their accounts, typically via a Windows PC or laptop. Windows claims about 92% of computers versus 6% for Apple and 2% for all others.

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