There are many dangers and risks to online banking. There is the possibility of online bank robbers taking down credit card numbers, therefore being able to take a maximum amount of money in minimum amount of time, because all they need is a credit card number and an expiry date, which you put in to the websites when you want to buy things online. Another problem with online banking is ‘phishing’, which is when scammers use fake websites and e-mails to get people to put in their personal information. A well- known internet scam that occurred in 2006 was an e-mail that was sent out to Royal Bank customers asking them to verify their personal information through e-mail. The reply e-mail was ‘royalbank.com’, while the actual Royal Bank website is ‘rbc.com’. The websites that provide one stop shopping like online grocery shopping and online clothing shopping need only one password to authenticate purchases if you have shopped there before. This is not considered secure at all, because one password is not too hard for people to guess, and this scenario occurs a lot, where online hackers use an illegal computer program to figure out single passwords. While some websites are now being responsible, another problem is people hacking into personal computers and copying down the passwords as they are used, and saving them for later use. This is known as ‘keylogging’.
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