Token

m-token is a service within m-zaba used for the same functions as the physical token – for user identification and authorization of transactions when using e-zaba (Internet banking), for user identification when using Zabafon (telephone banking), for online shopping and accessing the e-Citizens system (where you can download and check extracts from different registries, tax account cards, etc.).

Unlike the physical token, m-token is installed on your mobile device and it is therefore more convenient and accessible.

To use m-token, it is required to:

• arrange the m-token service
• install the m-zaba application on your mobile device  
• activate the m-token service within m-zaba.
  

m-token and m-banking can be arranged via e-zaba (Internet banking) or in any branch of the Bank, and you can choose whether you would like to arrange one service or both.
If you want to arrange a service via e-zaba for retail users, log in to e-zaba and select: M-ZABA -> m-token -> Activation ("Aktivacija"). After successful arrangement, select “ID and Activation Key” (“Identifikacijski i aktivacijski ključ”); you need them for the activation of the application.

First, install the m-zaba application on your mobile device. You can do that in one of the following ways:

• Depending on the type of mobile device you are using open:



-Apple Store

-Google Play Store.

On-screen of the service select application “m-zaba” and click “Install”.

• You can scan the QR code below and your mobile device will redirect you to the Store:

After downloading m-zaba, activate it by entering the ID and Activation Key, after which you can specify the PIN for further use of m-token and m-banking.
If you have arranged only m-token, that service will be activated within m-zaba.
 If you previously arranged one of the services (e.g. m-token), and you are subsequently arranging another one (m-banking), you do not need to retrieve the ID and Activation Key. You can start using the service right away, using the same PIN you specified for the previously arranged service.

You need to arrange some services separately in order to activate them in the main menu. Arranging m-token activates the m-token service in m-zaba. Arranging the m-banking service activates the m-banking and m-foto pay services in m-zaba. You can use other services (overview of ATM and branch locations, access to useful contacts of the Bank and exchange rate list) without previously arranging them.

Internet access is required so the Bank could continuously improve the service and facilitate its use, as well as to provide additional options and align the use of services with modern security requirements in the online business.

Furthermore, integrating m-banking and m-token in the same mobile application, m-zaba, simplified the updating and use of these two services for a large number of users. The use was further simplified because they are accessed with the same PIN.

Please make sure that the mobile data on your device are turned on.

Start m-zaba and select “Change PIN” on the homepage.
After selecting this option, a screen with three boxes appears in which you should:

•  enter the existing PIN you use to start m-zaba
•  enter the new PIN
•  re-enter the new PIN.
  

Unambiguous identification with any arrangement or change of m-zaba, the latest encryption protection, application of the software token embedded in the application and the fact that the application cannot be used without knowing the PIN guarantee safety when arranging, as well as using m-zaba.
Entering the PIN is protected by a variable keypad, and services that are accessed with a PIN (m-banking, m-token) are automatically locked after multiple consecutive entries of an incorrect PIN, as well as after three minutes of inactivity.
We want to remind you that your PIN is a secret number used to verify your identity and you should not disclose it or make it available to other persons.

After three minutes of inactivity, m-zaba automatically turns off. You need to re-enter your PIN to restart the application. This time of activity of m-zaba enables a multitasking mode, e.g. copying of the recipient’s account number from the mail application into the order form, and the like.
If you want to make sure that the application is inactive, select “Log out” or remove m-zaba from the list of applications running in the background immediately after you exit the application. The application is immediately locked and you need to enter your PIN to re-open the application.

You can report the loss or theft of the mobile device by calling the phone number 01 3789 888. In the meantime, you can be sure that your m-zaba will not function on the stolen device, because your PIN (secret number to verify your identity) required to access m-zaba is known only to you.
If you own another mobile device and mobile phone number via which you want to use the service, repeat the procedure described in the answer to the question “How to get m-zaba?”. Using m-zaba on another device or cancelling the m-zaba service will automatically deactivate m-zaba on the lost device.