How can we safely make transactions on M-Banking?

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We often hear news on television or read news in newspapers about the many mbanking hacks, resulting in account holders losing large amounts of their money. There are many ways hackers look for ways to break into mbanking. So we must always be careful when using or transacting with mbanking. Some of the things I do are not keeping large balances in mbanking, not opening messages on WhatsApp from people I don't know. So how do you secure your mbanking?
 
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