- The study presents opinions of online banking users in Latin America on electronic fraud and mobile banking trends from a 2015 survey. - 52% of online banking customers also use mobile banking, with Central America and Mexico showing the highest mobile banking usage. - One-third of users now prefer using mobile devices like smartphones and tablets over computers for banking transactions.

1. Views of
Latin American
Consumers
on Electronic Fraud
View of Consumers on Mobile
Banking 2015
The sixth edition of the Views of Latin-American Consumers on Electronic Fraud study presents the opinions and behavior
of Internet banking users in the region. The data was collected between June and July of this year by an independent
market research agency.
52%
Half of Users Performing
Transactions on the Internet
Do So from a Mobile Device
w w w . e a s y s o l . n e t
75
50
25
0
2010 2011 2012 2013 2014 2015
TOTAL FRAUD PROTECTION
47 55
44 52
31 45
4944
44 52
Total
2013 2015
Views of Consumers on Mobile Banking 2015
52 56
of online
banking
customers are
also mobile
banking users.
Fear of electronic fraud / doesn't seem safe 47
Don't trust that the transaction will be performed correctly 21
Don't have a smartphone or tablet 20
Prefers to do it with the computer 19
It is more difficult to perform operations on a smartphone 12
Because it costs extra to use this channel 9
The bank does not have a mobile banking 7
Why don’t you use mobile devices for banking transactions, payments or purchases?
Reasons for NOT using Mobile Banking
Mobile banking usage
What channel do you use to perform banking operations or payments in general?
- Internet from Smartphone or Tablet
The increase in mobile banking usage is
happening in all regions, with Central
America and Mexico showing the highest
numbers
Online
Banking
Mobile
Banking
OfficesATMIVRPOS TerminalCorrespondent
Bank
What channel do you use to perform banking operations or payments in general?
GROWTH
Mobile banking gains preference over other
transactional channels

2. 50% 29% 11% 10%
49% 23% 11%18%
30% 24%41%
76% 14% 9%
C. America
Mexico
Brazil
65% 35%
68% 32%
44% 56%
56% 44%
63% 37%
97%
Views of Consumers on Mobile Banking 2015
TOTAL FRAUD PROTECTION
6%
App
26%
53%
43%
39%
39%
26%
26%
5%
9%
3%
0
1%
0
18%
20%
9%
30%
Easy Solutions is a leading security provider focused on the comprehensive
detection and prevention of electronic fraud across all devices, channels and
clouds. Our products range from fraud intelligence and secure browsing to multi-
factorauthenticationandtransactionanomalydetection.
The online activities of over 75 million customers at 280 leading financial services
companies, security firms, retailers, airlines and other entities in the US and abroad
areprotectedbythe EasySolutionsTotalFraudProtection®platform.
w w w . e a s y s o l . n e t
s a l e s @ e a s y s o l . n e t
Find the full report at:
27% 62%
7%
65%
41%
47%
http://www.easysol.net/research-report
34%
One-Third of Users Prefer Mobile Devices to
Computers for Performing Transactions
Preferred devices for transactions
Smartphone Tablet
Desktop or
laptop computer
Landline
phone
Which of the following devices do you feel most comfortable with to make payments and
perform transactions online?
Most users prefer the bank's app
for mobile banking
When you use your smartphone or tablet to access your bank’s portal, do you use the browser or
the bank’s app?
Total
Andean region
Southern Cone
Browser
Mobile Threats Detected
Warnings in your browser that inform about threats on
your device andrecommend antivirus software
Unsolicited emails with suspicious attachments
Requests to submit personal or financial information
Unsolicited emails from your bank requesting you to
send your password
None
Unsolicited emails from social networks
Redirecting to suspicious web pages that offer
new applications
Redirecting to suspicious websites
Have you ever experienced one of the following financial threats on your phone or tablet?
Online
shopping from a
smartphone:
Downloading apps
onto your smartphone
or tablet:
Having malware in
your smartphone or
tablet that may steal
confidential information:
Accessing the
bank's portal from
a smartphone:
Very concerned Somewhat concerned Not concerned Doesn´t know
Are you concerned about your personal information and privacy when performing any of the following actions?
Security Concerns about Performing Banking Operations
on Smartphones or Tablets
Mobile Operating Systems
Smartphone
Tablet
Don’t
know
What is your phone / tablet’s operating system?
Biometric Authentication
Does your smartphone have a
fingerprint reader or "Touch ID"?
Yes
40%
No
58% 2%
Don't
Know
Have you used your smartphone
fingerprint reader to
validate purchases or transactions?
Yes
29%
No
71%
Have you used any
of the following
biometric
authentication
methods?
Fingerprint 61%
Voice recognition 24%
Face recognition 24%
Iris of the eye recognition 9%
None of the above 26%