The Bank of the Philippine Islands or BPI said that users of their mobile applications must “make sure” their “Mobile Key” option is always turned on in their app settings to authorize transactions. When it first introduced its new app, BPI said that clients “need to transact on the version of the app where you have your Mobile Key.” “For your security, Mobile Key works within the new BPI app or within the older BPI Mobile app but not between the two versions,” the bank said before.