As online transactions have soared, so has malware. According to an Online Banking Security Survey by PhoneFactor, a provider of two-factor authentication, 69% of respondents indicated an increase in attacks over the past 12 months. About half (51%) cited real-time attacks from online banking trojans as the greatest threat. Password phishing came in second at 24%.rnTrojans like ZeuS, are said to have infected 90% of the Fortune 500, and more recent threats like SpyEye are emerging, so these fears are not ungrounded. ZeuS and similar malware threats work by installing themselves underneath the user's web browser. From this position, they can steal passwords or even inject unrequested transactions without the true user being aware of them.This browser-based malware targets ACH transactions and wire transfers especially.
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