and some transaction of urgent nature getting struck due to these problems and even online access getting blocked some times. This, coupled with the time taken for access re-activation, password generation etc. ; which is sometimes a lengthy/ time taking process, causes irritation and inconvenience to the customer.
  In mobile banking the challenge is to decide the transaction value limits up to which unencrypted data can be transmitted for payments/ funds transfer. If the limits are set too tight there can be cost and efficiency implications while making it too lax may invite the risk of information getting compromised.