gregg: all right. there are new concerns over banking on your phone. it s easy to do. it s catching on fast. google and other companies are even introducing a new product called digital wallets to bring mobile banking into the mainstream. you can bet on line hackers will be there to look at your wallets like a regular pickpocketer were. how can you keep it protected? author of the book don t buy the bull , good to see you again, cassandra. this is how it works. your smart phone, you go to the checkout counter at a store and you want to buy something. you just pass your smartphone in front of a sensor and boom, it s purchased for you. but there are hazards to this. what are they? it is amazing technology, that s for sure. there are hazards from a privacy perspective that everybody needs to be aware of. first and foremost, if it was me, i could not be using it.