smart phones and hackers

 Smart Phones are simply small computers that can initiate phone calls as well as connect to the internet. Users can use them to pay bills electronically after passing account names and passwords to a financial site/service. However, when used in public spaces, restaurants, or hot spots, hackers can monitor ALL information “in the clear” and therefore capture your logon account and password. What recommendations do you have regarding if/when/how to pay bills electronically?