“A biometric stored on a mobile device offers the advantage of authenticating yourself without any concern of a breach,” said Shirley Inscoe, senior analyst at Aite Group. “But these methods aren’t 100% foolproof.”

And finally, a new breed of malware can infect your smart device and track passwords, send screen images and track smart payments. Neither Android or iOS is safe – In September 2015, Chinese developers identified a piece of malware that infected nearly 3,500 iPhone apps.