The National Computer Virus Emergency Response Center recently found 14 mobile apps with privacy violations through Internet monitoring, and two financial apps, Tianjin Rural Commercial Bank and Home Credit Finance, were notified. Reporters have found that since last year, multiple financial institutions such as the Pacific Credit Card Center of Bank of Communications, Tianjin Rural Commercial Bank, Dongguan Rural Commercial Bank, Shanxi Bank, Jinshang Bank, Shanxi Securities, and Jianghai Securities have reported that their apps do not comply with privacy regulations, and problems such as illegal collection of personal information and excessive permission requests have repeatedly occurred. The dilemma of personal information protection needs to be solved. Since last year, multiple financial institution apps have been named Tianjin Rural Commercial Bank App (App source: App Treasure, version 6.5.0), which is accused of having two issues: firstly, the privacy policy does not list the purpose, method, and scope of collecting and using personal information on the app (including entrusted third-party or embedded third-party codes and plugins), which is suspected of privacy non-compliance; Secondly, the app frequently self starts and is associated with startup. Jiexin Finance (application source is Alipay, version 34.46.0) was reported for "personal information processors processing personal information of minors under the age of fourteen without establishing specific personal information processing rules. It is suspected of violating privacy regulations.". "In response to the recent monitoring by the National Computer Virus Emergency Response Center, which found that our bank's App (Tianjin Rural Commercial Bank version 6.5.0, App Store) had privacy non-compliance incidents, our bank immediately contacted the National Computer Virus Emergency Response Center and clarified the main reasons for the incident. Firstly, some clauses in the customer privacy agreement were not clearly expressed in text. Secondly, in order to monitor the customer's network status in real-time, provide weak network environment prompts, and maintain smooth service, our bank's remote video banking control will continue to obtain network status when running in the background. Tianjin Rural Commercial Bank subsequently responded that under the guidance of the National Computer Virus Emergency Response Center, the user privacy terms have been revised and updated, and the mobile banking client program has been optimized. Relevant issues have been rectified.". "The above issues have not harmed the security of our mobile banking app, and the security of customers' funds, transactions, and information is not affected." On March 29th, the Guangdong Provincial Administration of Communications publicly announced 18 apps that did not complete rectification as required. The Dongguan Rural Commercial Bank app (sourced from App Treasure) was named for "illegal collection of personal information" and "App forced, frequent, and excessive permission requests". According to public information, reporters have found that since last year, multiple financial institutions such as banks and securities have reported their apps as non compliant with privacy regulations. The Ministry of Industry and Information Technology issued a notice on App (SDK) infringement of user rights at the end of November last year (8th batch, 34th batch in 2023), which identified 22 apps and SDKs (third-party software development toolkits) as infringing on user rights, including Zhejiang Tailong Bank's "Taihui Shou" (application source is Samsung App Store, version 1.9.7) and Jianghai Securities's "Jianghai Jinlong Comprehensive Edition" (application source is Baidu Mobile Assistant, version V9.00.44), two financial apps. Among them,
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