Moniepoint MFB 優先考慮數位支付安全，引入多因素身份驗證

Moniepoint 小額信貸銀行是尼日利亞面向中小型企業及其客戶和員工的權威銀行，已確保

Moniepoint Microfinance Bank, Nigeria’s leading bank for small and medium-sized businesses, their customers, and employees, has prioritized securing digital payments by introducing an additional layer of Factor of Authentication for customers making payments.

Moniepoint 小額信貸銀行是尼日利亞面向中小型企業及其客戶和員工的領先銀行，該銀行透過為客戶付款引入額外的身份驗證層，優先考慮確保數位支付的安全。

To achieve this, the bank has introduced Multi Factor Authentication (MFA) on its mobile and web applications, designed to simplify the payment experience, increase transaction success rates, and significantly enhance security for consumers and businesses.

為了實現這一目標，該銀行在其行動和 Web 應用程式上引入了多重身份驗證 (MFA)，旨在簡化支付體驗、提高交易成功率並顯著增強消費者和企業的安全性。

The MFA, which will apply to transactions over the sum of five hundred thousand naira and five million naira on the Moniepoint Personal Banking and Business Banking apps respectively, combines the ease of seamless payment experience with robust security measures, meeting both customer aspirations for convenience and regulator’s stringent authentication requirements.

MFA 將分別適用於Moniepoint 個人銀行和商業銀行應用程式上金額超過50 萬奈拉和500 萬奈拉的交易，將輕鬆的無縫支付體驗與強大的安全措施結合起來，滿足客戶對便利性和安全性的期望。

Moniepoint’s MFA leverages advanced device-based biometric technology, such as fingerprint or facial recognition and token-based Time-based One-Time Password (TOTP) to authenticate payments swiftly and securely.

Moniepoint 的 MFA 利用先進的基於設備的生物識別技術，例如指紋或面部識別以及基於令牌的基於時間的一次性密碼 (TOTP)，以快速、安全地驗證付款。

According to Babatunde Olofin, Managing Director, Moniepoint MFB, “At Moniepoint, we take pride in serving the financial services ecosystem by consistently leading the way, bringing innovative payment solutions that are safe, secure and easy to adopt, aligning with our vision of creating financial happiness across Nigeria.

Moniepoint MFB 董事總經理 Babatunde Olofin 表示：「在 Moniepoint，我們為服務金融服務生態系統而感到自豪，我們始終處於領先地位，提供安全可靠且易於採用的創新支付解決方案，這符合我們的願景：尼日利亞各地的經濟幸福感。

“When people’s accounts are safe, the feeling of safety permeates and fuels the happiness that they experience across other areas of their lives.”

“當人們的帳戶安全時，安全感就會滲透並激發他們在生活其他領域體驗到的幸福感。”

Olofin continues, “we fully recognize the potential and impact of multi-factor authentication (MFA) in unlocking opportunities for innovative and secure payment solutions, all while maintaining the highest levels of customer trust.

Olofin 繼續說道：「我們充分認識到多重身份驗證 (MFA) 在釋放創新和安全支付解決方案機會方面的潛力和影響，同時保持最高水準的客戶信任。

“This solution further demonstrates our dedication to customer-centricity, keeping in step with regulatory requirements and compliance while deploying solutions that meet the evolving needs of our users.”

“該解決方案進一步證明了我們致力於以客戶為中心，與監管要求和合規性保持同步，同時部署滿足用戶不斷變化的需求的解決方案。”

Traditionally, financial institutions have deployed three methods of authenticating clients that include card & PIN, digital login and password, and knowledge-based questions.

傳統上，金融機構採用三種方法來驗證客戶身份，包括卡片和 PIN、數位登入和密碼以及基於知識的問題。

Multi-Factor Authentication (MFA) typically requires two or more forms of identity verification, such as something you know (password, key code, question), something you possess (phone/email code, token, physical key), or something you are (fingerprint, biometrics).

多重身份驗證(MFA) 通常需要兩種或多種形式的身份驗證，例如您知道的資訊（密碼、金鑰代碼、問題）、您擁有的資訊（電話/電子郵件代碼、令牌、實體金鑰）或您擁有的資訊（指紋、生物辨識）。

It will be recalled that earlier this year, Monieppoint introduced a USSD code, *5573# to increase security, convenience and accessibility while safeguarding customer funds in case of loss or theft of mobile phones.

今年早些時候，Monieppoint 推出了 USSD 代碼 *5573#，以提高安全性、便利性和可訪問性，同時在手機遺失或被盜時保護客戶資金。

When existing customers, encompassing business and personal accounts, log onto their mobile banking app, they will receive a prompt and or notification to update their settings with a biometric credential in order to activate this feature.

當現有客戶（包括企業和個人帳戶）登入其行動銀行應用程式時，他們將收到提示和/或通知，要求使用生物識別憑證更新其設置，以啟動此功能。

Financial experts have commended this latest move by Moniepoint, as the MFA system balances security with user experience whether you have a feature phone or own the latest smartphone device.

金融專家對 Moniepoint 的這項最新舉措表示讚賞，因為無論您擁有功能手機還是最新的智慧型手機設備，MFA 系統都能平衡安全性和用戶體驗。

By implementing MFA, consumers are not only safeguarding their personal, financial and professional data but also taking a stand for a safer online world.

透過實施 MFA，消費者不僅可以保護他們的個人、財務和專業數據，還可以為更安全的網路世界表明立場。