When you are banking or investing on-line it would be wise to use what is called “Two factor Authorization”. This means that after you put in your User Name and Password, you will get a text with an authorization number that you must input to gain access.
Soon finger prints, eye scans or other biometrics will be used as a login. These are getting better and more reliable, expect to see them soon in wide scale use. Most infections or hacks come in through email or infected apps that are downloaded. Be very careful when clicking an embedded link in an email. If possible don’t do this, instead go to that web site directly.