Online security is one of the key requirements by financial customers today, as they increasingly use the internet to not only manage their financial transactions online, but to also buy financial products. According to a 2005 consumer attitude study by JupiterResearch, banks that invest in and promote the security of their online websites stand to differentiate themselves from their competitors and win customers.This, combined with the rapid growth in online phishing and identity scams on one hand and increasing regulatory pressure on the other has ensured that |