SMBC Digital vs eQ Mobile

As part of SMBC Group’s commitment to online security and recent changes instigated as part of a European Regulatory requirement, known as the “Payment Service Directive 2 (“PSD2”) we have introduced the “SMBC Digital app. The app provides significantly enhanced security features when compared with the traditional OTP generating token and delivers an improved login experience through secure authentication. Further, the app allows for the “Dynamic Linking” of payments by letting approval users validate and digitally sign payment details “out of band”, thus providing enhanced protection against fraud. When you approve E-payments, the contents are sent to the SMBC Digital App for signing by the scanning of a “Cronto Image” that contains details of the payments you have selected for approval. By scanning this “Cronto Image” into your SMBC Digital App, it can display the payment information and will allow you to sign them by inputting a response generated by the mobile app. This means when the Bank receives payment orders, the systems can verify that they are genuine. The App only reads the data already available to you at the time of authorisation, this data is never stored on the phone or is viewable other than when you access the app at the point of authorisation. No transaction history is ever available on the mobile device.

Corporate Banking on the go. eQ Mobile is the companion to our eQ web service and is for all eQ users. Protected by biometrics, our highly secure app lets you authorise batches of payments, view account balances and historic transactions, on the move. From anywhere. You can use the app as an alternative to card & reader to log in to your eQ web profile. Key Features Quick and easy setup with your existing eQ credentials. Authorise payments on the move. Payment approval with iOS devices that use biometrics. View accounts and balances. View historic transactions. Log in to your eQ web profile. All without a Smartcard and reader. Security you can bank on. Providing biometric and advanced anti-fraud systems, our robust security checks make sure your business is protected. Keep your finances secure with Touch ID or Face ID and set a unique eQ Mobile keycode. Comprehensive support Access to eQ Mobile can be managed by your eQ system administrator. Get help and support from our handy 'How to' guides. You can call the eQ Helpdesk. Providing Feedback Our customers are at the heart of every decision we make for eQ Mobile - occasionally you may be prompted in the app to complete a short survey about your experience, which ensures we're shaping the app around your needs. We really appreciate your feedback. If you have suggestions or advice on how this app would work better for you, please contact the eQ Helpdesk. eQ Mobile is available exclusively to eQ customers. For more information visit www.rbsinternational.com/eqmobile