UK Institutions Spark Debate by Putting Security Onus on Consumers
May 14, 2008

Imagine the scenario: Your institution has a customer who does all of his banking online -- bill pay, transfers, account balances. This customer calls after seeing an unauthorized transaction. After tracing the account transfers, which were wired overseas, you find the customer's computer loaded with crimeware. Your institution, while not directly responsible for the customer's loss, nevertheless reimburses the customer.

Which begs the question: At what point does the customer bear responsibility for online behavior and basic computer security?...