In reply to Philip Andreae.

I guess that was my question too after reading this post and I am hoping that I can find an answer to it. But I totally agree with you that security comes with the price of inconvenience and more and more people are not willing to pay that price, so naturally we'll see more crime happening. At the same time it's amazing to see that these sophisticated attacked are against infrastructures that are either designed or maintained by our C level security students. If banks are truly interested in solving this issue they need to spend time and money educating the people involved in the process not really the machinery...