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Survey time! Do you know anyone who locks their Android or iPhone with a password? If you can count yourself, then score one. Hopefully, your score continues to rise as you consider the habits of your friends, family and co-workers. If your score reaches 10, give yourself a gold star.

Unfortunately, you most likely won’t. The fact is that 53% of smartphone users claim to be unaware that security software is available for their devices. More important for credit unions: a majority of mobile banking users do not have security measures in place.

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