[Oyk]

Cybersecurity.

The weakest link is not the banks' cybersecurity protocols but the users.

Cybercrimes are easier to commit against individuals than organizations like banks, government agencies....

For eg, you call someone, and play a Youtube video of a baby crying...say that's her grandson, who had been kidnapped....and you know she cannot tell one baby's cries from another's....and you can get her to pay a ransom... or reveal her OTP.

They are myriad ways...once a well trained cybercriminal gets hold of your computer p/w, he can become YOU, and can take over your computer, and copy all your files.