Discussion Reply
CIS500 discussion post responses.
Respond to the colleagues posts regarding:
“Mobile Commerce Technologies” Please respond to the following:
Customers use mobile devices for a wide range of shopping and commercial activities. Mobile devices are becoming an attractive way to pay for products or conduct banking. Select an organization with which you regularly do business but not one you have used in a previous discussion. Do not repeat an example that has been posted by another student.
· Describe the benefits this organization provides through its mobile computing options.
· What risks most concern you in using this app? How would you mitigate these risks?
VT’s post states the following:Top of Form
The company I use regularly to shop on my mobile devices is Ebay.com
1. Benefits: I can use their app to browse or make a purchase any time or anywhere.
I can keep track of any bids I have made for an item.
It is easy to track my purchases to see when they are scheduled to arrive.
They make it easy to file a claim if I am not satisfied with my purchase for any reason.
Check out is easy because my credit card information is stored on the site.
2. Risks in using App: Security- someone may hack my account and make purchases in my name.
Fraud- I might not receive an item I have won or purchased from a seller.
To Mitigate Risks: I have connected my credit card to a PayPal account which notifies me immediately of any purchase made on my credit card.
I use PayPal because they will refund my money for any unauthorized purchases on my credit card.
I sign out of my account after each use and close out the App to prevent someone else from gaining access to my account.
I change my password regularly.
I check the seller’s feedback to make sure they have a good rating before doing business with them.
PG’s Post states the following
Customers use mobile devices for a wide range of shopping and commercial activities. Mobile devices are becoming an attractive way to pay for products or conduct banking. Select an organization with which you regularly do business but not one you have used in a previous discussion. Do not repeat an example that has been posted by another student.
· Describe the benefits this organization provides through its mobile computing options.
· What risks most concern you in using this app? How would you mitigate these risks?
Most of my banking and online shopping is conducted using my either my Iphone or Ipad Pro. My primary bank of 18 years, USAA is primarily online and provides great online banking options. One such option is the mobile banking payment tool, Zelle . Zelle has a network of financial institutions making it easily accessible regardless of what bank is used. Users are required to enroll before they can fully use the application. I use the Zelle directly through my bank’s app to augment my online banking when making payments and sending money. With Zelle, funds can be sent, requested and/or split. There are no fees to transfer funds as with Paypal.
I find that the Zelle App is more secure than Paypal and CashApp, because it uses authentication and monitoring features. However, the risk that most concerns me is when the app is used to send money to unknown recipients, as in purchasing an item on “Offer Up” or “Craiglist”. If the purchase is not legitimate, fraudsters posing as sellers could use the app to gain access to sensitive data, to include bank account info. This risk could be mitigated by Zelle encouraging users to be cautious when sending funds to people or entities they don’t know or making payments on anonymous transactions.
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