First Online Banking…then what?首先網上銀行...然後呢？

If the wife of如果妻子的 FBI boss Robert Mueller聯邦調查局的老闆羅伯特米勒 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據稱警告他不要使用網上銀行，因為他的無能在計算機上可能使他們開放的網絡欺詐，那麼，是否有任何希望的 protection保護 for the rest of us.為我們的其餘部分。 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.這是尤其如此考慮的最新消息，用戶名和密碼為成千上萬的人誰使用基於網絡的電子郵件服務，例如Hotmail，谷歌郵件和雅虎都受到連累。

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.這些現象沒有採取任何行動推翻關切所謂的釣魚式攻擊，欺騙用戶將贈送他們的登錄信息通過惡意網站，怕殭屍網絡，和一般擔心身份盜竊和欺詐行為。

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.現在，一項研究的蘇珊斯普洛和規範阿切爾麥克馬斯特大學，在加拿大安大略省，表明越來越多，我們正在放棄網上銀行帳戶有利於更多的傳統融資。

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.根據他們的調查，五分之一的加拿大人已經停止或減少的金額，購物，他們在網上而幾乎十分之一不再進行在線銀行交易，或者減少了網上銀行的數量，他們這樣做，因為擔心欺詐行為。

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.儘管如此，在英國至少郵政罷工意味著郵政銀行可能成為令人髮指的放慢，而高街關閉網上銀行的方式是唯一可行的方法來處理你的錢，這些天，許多人害怕或不欺詐。

Phishing for logins is not the only problem.仿冒的登錄並不是唯一的問題。 Credit card skimming, insider theft, and counterfeiting of digital information, and ID “trafficking” are信用卡撇，內部盜竊，偽造數字化信息和ID“販賣”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，大多數客戶從來沒有聽到有關銀行對他們的欺詐行為，因為銀行不希望壞的宣傳等，只是吸收的損失，將問題淡化。

“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.” “這些發現所關心的企業和政府，”斯普洛說，“因為如果消費者停止在網上做生意，能促進生產力的電子商務業務將無法實現。”

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.研究人員模擬這類犯罪並確定身份盜竊和詐騙作為兩個不同但相關的問題，這將有助於立法者更好地做他們的工作和武裝執法人員適當的工具追求和電腦罪犯定罪。

Incidentally, other researchers are順便說一下，其他的研究人員 refuting the accounts駁斥的帳戶 of Google and Microsoft as to how all those tens of thousands of login details got hijacked.在谷歌和微軟如何那些成千上萬的登錄信息被劫持。 They're suggesting that something more insidious than phishing occurred and that a botnet keylogger may actually be to blame.他們建議更多的東西發生陰險比網絡釣魚和殭屍網絡鍵盤記錄實際上可能是罪魁禍首。 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，微軟/搭檔丟失數據和備份為成千上萬的用戶的移動設備和釋放其安全必備方案剛，也許真的是另一回事險惡下降...

Susan Sproule, & Norm Archer (2010). 蘇珊斯普洛，及規範弓箭手（2010年）。 Measuring identity theft and identity fraud Int. 測量身份盜竊和身份欺詐的int。 J. Business Governance and Ethics, 5 (1/2), 51-63 J.企業治理和道德準則，5（1 / 2），51-63