The recent phishing scams targeting bank customers are unfortunate, but not unexpected.

It seems this is the price a cashless society has to pay.

There is nothing wrong with going digital. It is convenient.

The problems come when companies try to squeeze too much information into a tiny screen in their mobile apps.

There are numerous icons on the screen. Sometimes after I hit the enter key, it seems like there is no response, but something has actually changed on the screen - I just didn't realise I had to scroll down to check.

Unwanted pop-up advertisements and promotions add to the confusion.

Often, the user is told to go to another site (via a link) to retrieve a code and come back to the site. Or told to click on a confirmation link sent via SMS or e-mail. In the process, the original site may be lost.

Sometimes, there is a time limit as well - finish it within a certain time or the transaction will expire. It can be difficult to differentiate between fact and fake when a person is in a rush.

Those who design interactive forms ought to know that the user is most likely a person with average computer skills tapping on a tiny phone screen. They should make things clear and simple.

Finally, some advice for those putting their money in the bank - don't put so much money in the account used for daily transactions.