John R. Levine in CircleID: How Do You Do Secure Bank Transactions on the Internet?
“At a meeting a few months ago, I heard about malware found in Europe that would replace a legitimate transaction with one sending money to the bad guy, and was sophisticated enough that when the bank sent a confirmation image file with a description of the transaction sending money to the bad guy, it recognized and rewrote the image to display the transaction the user wanted. With enemies that sophisticated, and compromises that complete, how can you hope for any kind of security?”
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