Most of the time I am using a mobile wallet. First, I am using password before opening the mobile application. Then I am setting a password that contains alphanumeric and special characters. Third is am using a two factor authentication for extra security. Fourth, websites that I visit the most is bookmarked to avoid clicking the wrong link. Online transactions are always risky. I am still afraid when I am transferring or even viewing my wallets so I do not install much applications nor visit an unknown sites