Ms Niamh Davenport:

The banking apps are safe. This has nothing to do with them; it is what people are downloading. It is the same as clicking on a link online, such as a business email compromise. Education and awareness is needed for everyone on what they are downloading to their phones. Photo apps are one example. All of these apps are available through the Apple store. Whether it is a link in a text message, something one clicks on online or an app, one should be careful about what one is downloading and allowing access to. The terms and conditions are there.