POBA m_Token is an application, installed and used on a cell phone, for user identification and e-banking payment confirmation (POBAklik e-banking). Since the application is on your cell phone, it provides a simple, practical, easy-to-access use. AGREEMENT & INSTALLATION POBA m_Token application can be agreed at any of Podravska bank branches. After you’ve agreed to use it, your cell phone receives 2 SMS messages: the first provides a link where to download m_Token applicationd; the second text message provides a password for POBA m_Token per. After a successful personalization, m_Token requires PIN entry and PIN confirmation, also needed for future login to POBA m_Token. Internet access is only needed for the initial download, application personalization and PIN change. Once after POBA m_Token is personalized, Internet access is no longer needed. SECURITY POBA m_Token security level is the same as for a physical token (Display card); application entry is protected with PIN, known to its owner exclusively. PIN used for POBA m_Token access can be changed at any time. If m_Token is inactive for more than 2 minutes, it automatically shuts down.