It is a really valid concern because while digital banking has made life easier in Nigeria, the rapid pace of adoption often outstrips our personal security habits. Many of these security layers, like SMS OTPs or linked email accounts, can actually become single points of failure if a hacker gains access to your phone or SIM card. Instead of relying solely on the apps to protect you, I recommend using an authenticator app rather than SMS for 2FA, enabling transaction pins that are distinct from your phone lock, and regularly checking your linked devices in your banking app settings. Ultimately, these systems are meant to be a hurdle for attackers, but they are only as strong as your own vigilance in securing your primary device and credentials.