jo ning us right is kimberly palmer, she's banking and personal financial expert. >> i gss digital technology is more convenient. >> people are finding they have so many more options now, other than debit cards and with the growth of mobil payments, they have soany choices that they're seeing less of a need to pull out their debit rd. >> know that everyone says that there's all sorts of a encrypti things like that, i'm a scardy cat. i still use my debit card. because i'm worried about security in mol banking. what kind of safeguards are there that make it safer than using a debit card. >> it is a legitimate concern. it's sething a lot o people are worried we've seen cases through your phone, sending and receiving payments. we've seen cases of people ending money ake, to the wrong person and not getting it back, and also examples of fraud, it's absolutely a legitimate concern. there are steps you can take to lower your risk, however,am for e, you want to always make sure you're spending money thugh peer to peer payments, and sending money to friends and family, andvoing sending money to strang