Mobile banking solutions are increasingly finding their way into everyday life. Despite recurring cases of security holes, data theft and increasing criminal activity in the online banking space, the spread of mobile banking solutions is progressing.

The announcement of security leaks such as “Heartbleed” at the beginning of the year or cases of million-fold hacked e-mail accounts ensures that the topics of data protection and security remain topical. Hardly any other area, from the point of view of private users, makes the use of software that guarantees the secure handling of data as necessary as financial matters.

In order to check the requirements and acceptance of new banking and security technologies, students in particular are often considered technology-oriented guides. Often, this young and tech-savvy target group is a pioneer in the use of new technology and faster than the national average of new solutions to convince. In addition, the number of enrolled students has been steadily rising for decades, which additionally puts them in the spotlight as a relevant customer group. Last but not least, it makes its above-average income expectations not only for the financial sector a highly attractive target group, which must be tied up early.

On behalf of Fiducia IT AG, this study therefore has the task of determining which requirements and wishes this particular young customer group places with its bank and its offers in the area of online banking, mobile banking and mobile payment. In the following survey, a total of 311 students from different disciplines and universities were interviewed about their treatment and their expectations.

The result is a picture of students expected in many places. They use high-frequency online banking, especially for rather simple banking tasks such as making transfers. More complex concerns such as detailed asset management are not (yet) important to them. As expected, the topics security and data protection are at the top of their list of requirements. Other than might be expected, they show some willingness to pay. Although only very few are willing to make a fixed monthly payment (even if only to a small extent), a one-off purchase, for example, for a TAN generator excludes only about 13 percent (albeit only to a small extent).

In the field of mobile payment there is a slightly more widespread use of this technology compared to the population average. Around one in five claim to use mobile payment, at least occasionally. For greater use, in addition to the ubiquitous demand for high security, above all, a greater popularity and acceptance of mobile payment is desired. Only widespread acceptance and a wider range make the use of mobile payment for students really interesting. An advance of trust for the provision of adequate procedures is given above all to banks and savings banks. However, even here the potential is still great: About half say that they do not even know the term mobile payment.

Liability of the Sparkasse from the block indicator

As soon as the Sparkasse has received a block indicator from the participant, it will assume all subsequent damages resulting from unauthorized online banking orders. This does not apply if the participant acted fraudulently.


Liability claims are excluded if the circumstances giving rise to the claim are based on an unusual and unpredictable event to which the party relying on the event has no influence and the consequences of which could not have been avoided, despite due diligence. Out-of-court settlement of disputes and other means of complaint For the settlement of disputes with the Sparkasse, the account / depot owner may turn to the disputes and complaints departments specified in the “Price and Service List”.