MIAMI – Smartphones are increasingly popular not only with consumers, but also with thieves who see the devices as another way to tap into bank accounts and other sensitive information, experts say.

Many consumers simply don’t realize how vulnerable their Androids, iPhones and other devices can be. An April study by the Federal Reserve Bank of Atlanta said threats are proliferating, ranging from “phishing” – where consumers click a phony email or text message and are tricked into handing over personal information – to consumers’ reluctance to use security protections they normally have on home computers, such as a password.

The study said there are several things that can make smartphones an easy target. Vast amounts of personal data are stored in emails, texts and other applications, and personal information is increasingly easily found on social media. Organized crime operations also see smartphones as the most vulnerable entry point into the electronic financial system, according to the Fed.

“We have some very bad characters who would like to take our money, take our identification, and run away with it,” said Marie Gooding, first vice president of the Atlanta Fed.

Research that the Fed cited, done by Boston-based Trusteer, involved 20 computer servers that were used to send out more than 100,000 phishing emails. By studying the server records, Trusteer found that about 2,200 of the 3,000 responses the scam artists received came from smartphones.

The Fed helps operate the industry’s Automated Clearing House, a system that processed 21 billion transactions last year. While banks are required to adhere to authentication standards for ACH transactions, those protections are often unknowingly compromised by consumers.

Miami lawyer Andrew Carter learned the hard way, after misplacing his phone amid the hubbub of a Christmas vacation. He had a mobile banking app installed on his phone but had turned off his pass code lock because he found it annoying to enter whenever he wanted to use the phone.

“That was a big mistake,” he said. “I knew it intellectually, but I hadn’t really intuitively grasped that I had to be able to be a lot more secure with it.”

Weeks later, Carter found that $2,000 had been withdrawn from his account by someone in Texas, possibly through emails retrieved from his phone. He also found someone trying to hack his Facebook account.

Today, he keeps his phone locked and changed to a brand that allows him to remotely erase phone data – something he couldn’t do with his old phone.

Several phone manufacturers are planning new biometric technology, such as fingerprint scanners, that can make their products more secure.

Vikram Thakur, chief security response manager for security software giant Symantec, said attackers can get control of a phone simply by getting people to click on a link.