Undecided on Mobile Banking

Yesterday afternoon during the office lunch hour, I went to my local bank, hoping to replace my fully printed passbook with a new one. Replacing the passbook was not a problem, however at that time there seemed to be a connection problem on the banking system, so the customer service lady sheepishly said sorry a few times for having me to wait what should have been a fast process while she tried to connect to the system. I assuredly said that it was not a problem, I could wait alright.

Anyway, during the wait, she asked me whether I have used internet banking. I said yes, I have, although only for checking my account balance, not for making transaction. She apparently saw my O2 Xda IIi PDA Phone, hanging from my belt, and so the next question she asked was whether I have used mobile banking. I said no. The next question was about my telecom provider, and when I mentioned the company name, she said my card should have provided the mobile banking capability. Well, I did know about it. I just decided not to use mobile banking, that's all.

Why, you may ask. It should be quite convenient to have mobile banking in your hands, and I actually agree, if not for bad experience I had in the past. Well, the experience had nothing to do with mobile banking, actually, but on online shopping experience. I do not think it is necessary to tell about the incident, but bottom line is that ever since I decided not to use any credit cards, nor make any online purchase, or do anything similar. Thus that is why I only use internet banking for checking balance, not for making any transaction. Mobile banking is nothing wrong, but I am already traumatic with that past experience, which is nothing to do with mobile banking, but still gives me unconfortable feeling to use mobile banking for now.

I know I may be wrong, but for now I am still undecided on using mobile banking. Perhaps someday in the future. I am sure someday I can get over my paranoia to give mobile banking a chance. Wish me luck :-)