Wie testen und überwachen Sie Ihre Mobile-Banking-Sicherheitssysteme und -protokolle? (2024)

Stay updated on changes and amendments to existing standards and regulations. The financial industry is dynamic, and standards can evolve to address new and emerging threats. Regular training sessions for your security and compliance teams can help keep everyone on the same page.If your mobile banking services involve third parties or vendors, ensure that they also comply with relevant standards and regulations. Conduct regular audits and assessments to verify their compliance status.

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Financial institutions and Fintech companies must follow NIST Cybersecurity Framework for improving critical infrastructure cybersecurity.NIST Focuses on identifying, assessing, and prioritizing cybersecurity risks based on the organization's objectives and risk tolerance. In addition it provides a roadmap for organizations to continuously improve their cybersecurity posture.

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Red team exercises complement traditional penetration testing by simulating sophisticated, targeted attacks to evaluate the resilience of mobile banking security controls comprehensively. Using our experience in cybersecurity operations, I advocate for organizing red team exercises that replicate the tactics, techniques, and procedures (TTPs) of advanced threat actors. By emulating realistic attack scenarios, including social engineering, supply chain compromise, and insider threats, organizations can identify systemic weaknesses in mobile banking defenses and enhance their ability to detect and respond to sophisticated cyber threats effectively.

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Ensure that the individuals or teams conducting the penetration testing are highly qualified and experienced. They should have a deep understanding of security vulnerabilities, attack vectors, and the latest hacking techniques.In many cases, it can be a wise decision to hire an outsourcing team of QA engineers who specialize in mobile banking applications. These teams often bring a wealth of experience, having worked on a variety of projects and encountered numerous security challenges.

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Beyond annual penetration testing, incorporating ongoing vulnerability scanning provides a more dynamic defense. Frequent scans, ideally automated, can catch issues that arise between scheduled tests, especially crucial in a field as dynamic as mobile banking. This layered approach, blending in-depth testing with continuous scanning, ensures a robust and responsive security posture for your mobile banking platforms.

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Ensure that the monitoring tools you implement are fully compatible with the existing systems and technologies in use within your mobile banking infrastructure. This seamless integration enables more efficient data sharing and analysis, providing a comprehensive view of your security posture.I would also recommend implementing tools that not only detect security incidents but also initiate automated responses to mitigate the impact. This could include blocking a user account, initiating additional authentication processes, or alerting the security team for immediate action.

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These tools are crucial in continuously tracking and analyzing the activities within a system, network, or application. Organizations can swiftly detect anomalies, unauthorized access, or potential security threats by monitoring in real-time. These tools provide visibility into user activities, system events, and network traffic, allowing for proactive identification and response to suspicious behaviour. Monitoring tools are essential for maintaining situational awareness, enabling timely incident response, and minimizing the impact of security incidents. Regularly reviewing and fine-tuning these tools ensures that organizations stay vigilant despite evolving cyber threats, contributing to a more secure and resilient digital environment.

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Absolutely, user education is crucial. It turns customers into active participants in security. For instance, a bank I know runs regular cybersecurity awareness campaigns for its clients, significantly reducing fraud cases. Simple, engaging communication, like short videos or infographics, can make a big difference in how users manage their security. Remember, informed users are your first line of defense in mobile banking security.

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Even the most sophisticated security measures can be undermined by user actions. FinTech or banks should take care of the following:- Instruct users on creating strong, unique passwords- Explain how to recognize phishing attempts- Remind them about the importance of updating their mobile banking app regularly. Additionally, banks should provide clear guidelines on what users should do if they suspect a security breach. Users should become an active part of the security ecosystem, significantly reducing the risk of security breaches and enhancing overall system resilience.

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Cultivating a security-first culture within the organization is imperative. Encourage your teams to proactively think about security in every aspect of mobile banking operations, from development to customer service.Regular training and awareness programs can help in building this mindset.Ensure that your development teams follow secure coding practices and conduct security assessments as part of the software development lifecycle.

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Develop and document incident response procedures to guide the response to security incidents and breaches affecting mobile banking systems. Define roles and responsibilities, escalation procedures, and communication protocols to ensure a coordinated and effective response to security incidents. In our mobile banking security operations, we established incident response procedures to guide our response to security incidents and breaches. We conducted regular incident response drills and simulations to test the effectiveness of our procedures and ensure that our team was prepared to respond effectively in the event of a security incident.

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