First Online Banking…then what?首先网上银行...然后呢？

If the wife of如果妻子的 FBI boss Robert Mueller联邦调查局的老板罗伯特米勒 has allegedly warned him not to use online banking because his incompetence on the computer could leave them open to online fraud, then is there any hope for据称警告他不要使用网上银行，因为他的计算机上的无能，他们便会到网上欺诈，那么，是否有任何希望的 protection保护 for the rest of us.为我们休息。 This is especially true given the recent news that usernames and passwords for tens of thousands of people who use web-based email services, such as Hotmail, Google Mail, and Yahoo were compromised.这是尤其如此考虑的最新消息，用户名和人民谁使用如Hotmail，谷歌邮件基于网络的电子邮件服务，成千上万的密码，和雅虎都受到连累。

Such happenings have done nothing to quash concerns about so-called phishing scams that trick users into giving away their login details via malicious websites, fear of zombie botnets, and general worries about identity theft and fraud.这些现象没有采取任何行动推翻的是有关所谓的钓鱼式攻击，人们交出通过恶意网站，对僵尸网络担心他们的登录信息，以及有关身份盗窃和欺诈欺骗用户普遍担心。

Now, a research study by Susan Sproule and Norm Archer of McMaster University, in Ontario, Canada, suggests that more and more of us are abandoning online bank accounts in favor of more traditional financing.现在，安大略省，加拿大的苏珊斯普洛和规范的麦克马斯特大学的Archer，调查研究，表明越来越多的我们更多的是放弃了传统的融资青睐网上银行帐户。

According to their research, one in five Canadians have stopped or reduced the amount of shopping that they do online while almost one in ten are no longer carrying out banking online, or have reduced the amount of online banking that they do because of fraud worries.据5加拿大人的研究，一个已经停止或减少的购物金额，他们在网上，而在1001年几乎不再进行在线银行交易，或者减少了网上银行，他们因欺诈行为有所忧虑，但数额。

That said, in the UK at least, postal strikes mean postal banking could become hideously slow, while the closure of high street banks means online is the only viable way to handle your money these days for many people fraud fear or not.不过在英国，至少，邮政罢工意味着邮政银行可能成为令人发指的缓慢，而高街银行倒闭，意味着在线是唯一可行的方法来处理，很多人担心欺诈或不这些天你的钱。

Phishing for logins is not the only problem.在登录网络钓鱼并不是唯一的问题。 Credit card skimming, insider theft, and counterfeiting of digital information, and ID “trafficking” are信用卡撇，内部盗窃，伪造的数字信息和ID“贩卖”的 on the increase在增加 . 。 I suspect that most customers never hear about the banking frauds against them, as the banks don't want the bad publicity and so simply absorb the losses and gloss over the problem.我猜想，大多数客户从未听到对他们的银行欺诈，因为银行不希望坏的宣传等，只是吸收的损失，将问题淡化。

“These findings are of concern to business and government,” Sproule says, “since, if consumers stop doing business online, the productivity benefits of e-business will not be realized.” “这些发现所关心的企业和政府，”斯普洛说，“因为如果消费者停止在网上做生意，电子商务的生产力优势，业务将无法实现。”

The researchers have modeled such crime and defined ID theft and fraud as two distinct but related problems, which could help legislators to do their job better and arm law enforcers with appropriate tools to pursue and convict of cyber criminals.研究人员模拟等犯罪定义为两个不同但相关的问题，它可以帮助议员所应做适当的工具，他们的工作更好地和胳膊执法追求和电脑罪犯定罪身份盗窃和欺诈行为。

Incidentally, other researchers are顺便说一下，其他的研究人员 refuting the accounts驳斥的帐户 of Google and Microsoft as to how all those tens of thousands of login details got hijacked.在谷歌和微软如何所有的登录信息成千上万被劫持。 They're suggesting that something more insidious than phishing occurred and that a botnet keylogger may actually be to blame.他们建议更多的东西发生阴险比网络钓鱼和僵尸网络键盘记录实际上可能是罪魁祸首。 Moreover, with Microsoft/Sidekick losing data and backups for thousands of users of that mobile device and releasing its security essentials program just recently, perhaps there really is something else sinister going down…此外，微软/搭档丢失数据和对移动设备用户的备份，并释放数千名安全必备方案刚，也许真的是另一回事险恶下降...

Susan Sproule, & Norm Archer (2010). 苏珊斯普洛，及规范弓箭手（2010年）。 Measuring identity theft and identity fraud Int. 测量身份盗窃和身份欺诈的int。 J. Business Governance and Ethics, 5 (1/2), 51-63 J.企业治理和道德准则，5（1 / 2），51-63