Payment transactions have also attracted professional criminals to the internet. We warn customers on the op.fi service almost monthly about new scam messages or search engine scams that attempt to direct the user to an imposter website.
You can avoid these pitfalls effectively by using the bank’s own application. When using OP’s services, this means opening OP-mobile instead of going to OP’s website on a browser.
The application connects your smartphone or tablet directly to the bank. It is a separate and standalone program with its own icon, as with other applications on the home screen of your device.
You can install the mobile bank securely only through Apple Store or Google Play. An application downloaded from another source is not an OP application, but is likely malicious software created by a scammer.
Why using the mobile bank is safe
When you use OP-mobile:
- You use an application designed by OP. We are constantly developing and monitoring its data security.
- You have a direct connection to your bank’s information systems. Because both ends of the data transfer are controlled by OP, we can ensure timely and secure use of encryption methods and certificates.
- Your information will be transferred online in a secure manner. The encryption cannot be broken by an average criminal. Neither will information subject to bank secrecy be stored on your device.
- The mobile key used for identifying yourself divides the encryption into multiple parts. Some are in the telephone and are changed after each use. The PIN code for the mobile key is only known by the user. Some require fingerprints or facial recognition from the user.
- You can use our services easily and in a secure manner wherever you are. As OP-mobile is a standalone application, there is no risk of being directed to an imposter website.