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Digital Identity Protection: Banking in the Year 2020

A teen boy takes a selfie of his family while they sit on the grass in their backyard.
SAVE PDF

Choice and convenience are the operative words in our financial lives today

With change comes challenge—the vulnerabilities inherent in digital dashboards. We’ve seen it with younger banking customers, with little brand allegiance to the familiar financial service giants, who are moving to new providers delivering convenience, aggregation and increasingly, security. One thing is clear, today’s financial customers seek digital protection.


What Matters Most?

Industry research points to convenience as a key priority. With convenience and the aggregation of data emerges a related priority—security. As the pandemic has driven more and more of the banking public into the digital landscape, protecting one’s digital footprint has become a must. After all, the modern behaviors of online banking and investing have become commonplace since the pandemic arose.


Protecting Your Digital Vulnerability

“Data breach,” a term that has migrated from the political action thriller to our own stay-at-home lives, is center stage.

Our socially-distanced lives drive us to more apps; more requests for our most privileged information; more searches for that perfect gift, that article or social media post, and for that site someone referenced earlier on a Zoom call.

Identity thieves will continue to find new ways to target and take advantage of victims.

Not so fast. The reality of digital fraud can be painful, expensive, and criminal.


Generation Breach

We’ve gone from protecting physical assets in a safety deposit box to digital ones in a virtual safe. But that virtual safe is vulnerable. Our data are displayed in hundreds, even thousands of platforms. When there’s money involved, the predators sharpen their skills. Given that today’s vulnerabilities are technologically complex, it’s more likely that our human errors and missteps invite financial chaos or even ruin.


Our Response: Introducing AlwaysChecking

People’s United Bank has been polling customers, analyzing the market, and testing consumer attitudes and priorities. Consistent with the trends referred to above, digital identity protection tested very high, particularly among younger consumers but also with wealthy customers. Today’s financial-service customer is no stranger to the breach culture at play among us.

Introducing AlwaysChecking—a digital identity protection service free with any personal checking account. Registration is online and customers can choose what they’d like monitored, including their passports, driver’s licenses, credit cards, social media accounts and their families Social Security numbers. Protecting what matters most is central to the principle behind AlwaysChecking. We know that There’s Only One You, Let’s Keep It That Way. AlwaysChecking is here to help!

Related Links

Digital Malevolence

Coronavirus Aid, Relief, and Economic Security Act (CARES Act)

No Phishing Allowed

Digital Assets: A Quick Guide for Holders and Fiduciaries

The Impact of Emotions on Investing

People’s United Advisors can help

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People's United Bank, N.A. merged into M&T Bank. It is now People's United, a Division of M&T Bank. Although account documentation or other materials may continue to reflect the People's United Bank, N.A. name or logo, new wealth management accounts opened on or after that date will be opened with M&T Bank or it's People's United Advisors Inc. or Wilmington Trust, N.A. affiliates. For more information please go to www.wilmingtontrust.com, reach out to your relationship manager or refer to your account agreement(s).

Investment products are offered through People’s United Advisors, Inc., a registered investment advisor. People’s United Advisors, Inc. is a wholly-owned subsidiary of M&T Bank. Investment products may involve risk, including possible loss of principal.

Investment Products:

• Are Not Insured by FDIC or any Federal Government Agency
• Are Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate
• May Go Down in Value


Form CRS - ADV Part 2A - Privacy Policy - Legal Disclosure

PUA is not soliciting any action based on this material. It is for general informational purposes only. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual investors.

On April 2, 2022, People’s United Bank, N.A. merged into M&T Bank. It is now part of M&T Bank and its former branches and most services will operate as the People’s United division of M&T Bank until we complete the integration of our systems later in 2022. M&T Bank is a Member FDIC, Equal Housing Lender and Equal Opportunity Lender.

By using People's United Online Banking, you agree to the People's United Electronic Services Agreement.

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