Financial services using the internet and mobile terminal are spreading, but new types of threats to the financial infrastructure – such as hacking and cyber attacks – are gaining prominence. If concerns spread that countermeasures against these threats are insufficient, this might lead to doubts about the innovative financial services themselves.
Therefore, providers of new financial services should prepare sufficiently against new risks and threats. In this regard, it will be important to draw on technologies that help to enhance security such as encryption techniques and biometric authentication. III.