[luncheonmeat]

I also think using 2 SIM cards on 2 separate phones will be safer.

The one receiving sms pin numbers from the banks should be kept at home with no additional apps installed other than PayLah.

The second phone will be used as the normal phone with apps installed.
For the PayLah on this phone, it should be top up using the PayLah from the 1st phone.
Doing so will avoid exposing the banking pin numbers should there be any malware running on this (2nd) phone.

My thots too but not everybody can afford two hps  yah. Blame garbagemen and their blind drive to go digital without realising the dangers