At a time when more and more financial transactions are carried out online, payment and data security is a major challenge for the banking sector.

It is also to limit fraud that the strong authentication system (using at least two different factors) was deployed for online purchases in 2021.

As part of its periodic barometers of user expectations, the French Banking Federation (FBF) has therefore recently addressed the issue.

And the least we can say is that households are not completely reassured!

Good habits to adopt...

According to this Ifop survey of 4,000 people, only 14% of French people say they have "complete confidence" in banks regarding the security of their personal data, while 54% have "rather confidence".

In detail, 66% of respondents believe that their banking establishment is able to react quickly in the event of fraud on their account, 63% consider that it does enough in terms of data protection and 62% think that it is the better placed to protect their data.

But technology is not everything.

Pedagogy is also essential.

We thus remain on the same order of magnitude when it comes to the advice given by the banks in terms of good practices to adopt (65%) or the sufficient guarantees they provide to their customers (64%).

… and bad habits to break!

On the other hand, on the side of individuals, certain elementary reflexes of vigilance are still not generalized.

Indeed, only 66% of respondents are in the habit of choosing a specific access password for their online account, compared to a third who thinks about it sometimes or never.

Similarly, 38% systematically or often contact their bank in the event of doubt, anomaly or manifest fraud on their account, whereas 30% do so only sometimes and 32% never do so. this approach.

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Worse, a third of users have already connected to their banking service from an SMS or email received, while 19% have sent their bank details following an email request, while these scam practices are widely publicized.

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