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How can you ensure financial literacy in digital banking?

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Digital banking offers many benefits, such as convenience, speed, and security. But it also poses some challenges, especially for those who lack the skills and knowledge to manage their money online. Financial literacy is the ability to understand and use financial information to make informed decisions. It is essential for digital banking, as it can help you avoid fees, fraud, and debt, and achieve your financial goals. Here are some tips on how you can ensure financial literacy in digital banking.

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1 Know your options

Digital banking is not a one-size-fits-all solution. There are different types of digital banking services, such as online banking, mobile banking, and neobanks. Each one has its own features, benefits, and drawbacks. For example, online banking allows you to access your accounts through a web browser, while mobile banking lets you use an app on your smartphone. Neobanks are digital-only banks that offer innovative products and services, such as budgeting tools, instant payments, and rewards. You should compare the options available to you and choose the ones that suit your needs and preferences.

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Roland Omongbale MSc, MBA, ACIB, FMVA?

Relationship Manager @ Globus Bank | Chartered Banker | Certified Digital Marketer | FinTech & Innovation Advocate | Customer Experience Strategist | Financial Advisory & Digital Transformation Specialist
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"To ensure financial literacy in digital banking, provide interactive learning resources, personalized recommendations, financial management tools, real-time alerts, educational content, gamification, workshops, counseling, community support, and regular assessments."

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2 Learn the basics

Digital banking requires some basic skills and knowledge, such as how to set up an account, how to log in securely, how to check your balance and transactions, how to transfer money and pay bills, and how to use other features and functions. You should familiarize yourself with the digital banking platform you use and learn how to navigate it. You can also look for tutorials, guides, FAQs, and customer support on the website or app of your digital banking provider. If you have any questions or doubts, don't hesitate to ask for help.

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3 Stay updated

Digital banking is constantly evolving, with new technologies, trends, and regulations. You should stay updated on the changes and developments that affect your digital banking experience. For example, you should know about the latest security measures, such as biometric authentication, encryption, and multi-factor verification. You should also know about the new products and services, such as robo-advisors, peer-to-peer lending, and cryptocurrencies. You can follow the news, blogs, podcasts, and social media of your digital banking provider and other sources of information.

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4 Manage your budget

Digital banking can make it easier for you to manage your budget, as you can access your financial information anytime, anywhere. You can also use tools and apps that help you track your income and expenses, set goals and limits, and plan for the future. However, digital banking can also make it harder for you to control your spending, as you can make impulse purchases, use credit cards, and access overdrafts with a few clicks or taps. You should be mindful of your spending habits and avoid unnecessary fees and charges.

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5 Protect your data

Digital banking can expose you to cyber threats, such as phishing, malware, and identity theft. You should protect your data and privacy when using digital banking services. You should use strong passwords and change them regularly, avoid using public Wi-Fi and devices, and check the URL and SSL certificate of the website or app you use. You should also monitor your accounts and statements for any suspicious or fraudulent activity, and report it immediately. You should also be careful of sharing your personal and financial information with anyone, especially through email, phone, or text.

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6 Educate yourself

Digital banking can offer you many opportunities to learn and improve your financial literacy. You can access online courses, webinars, podcasts, and blogs that cover various topics, such as savings, investments, taxes, and retirement. You can also join online communities, forums, and groups that discuss and share financial tips and advice. You can also seek professional guidance from financial advisors, coaches, or mentors, who can help you with your specific needs and goals. You should take advantage of the resources and support available to you and educate yourself on how to make the most of digital banking.

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7 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

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How can you ensure financial literacy in digital banking?

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2

3

4

5

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1 Know your options

2 Learn the basics

3 Stay updated

4 Manage your budget

5 Protect your data

6 Educate yourself

7 Here’s what else to consider

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