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Another observation that indicated this trend is the need for the industry to grow, as the new platforms and eBusiness keep gaining momentum, so will fraud and eBusiness being hurt by fraud. 1400 financial institutes were targeted during 2013, and millions of computers were during the same time compromised and used in fraudulent behaviour according to the Hacker th News (Dec 5 2013), and the main targets are U.S. banks with a percentage of 71.5% of all analysed Trojans. Financial institutes have been fighting the fight against malware for over 10 years so they know very well the hurt that fraud brings. During these 10 years the threats has evolved with the attempts to mitigate them, and they are unfortunately often a step ahead of the good guys. An example is JP Morgan Chase who was hacked and had 465 000 users data stolen (the Hacker News Dec 5 ). th The conclusion is that we need something more than password to handle technology needs, which will be a smaller investment than tokens but still intuitive enough to satisfy our human behaviour. About The Author Anna Zetterholm is a Marketing associate at Keypasco. With more than 20 years of individual experience in IT security, Keypasco’s founders are the minds behind some of the revolutionary two factor authentication technology solutions used today. Keypasco develops secure software, and delivers on society’s expanding needs for personal authentication services, identity protection, and secure task verification. Keypasco’s vision is to be a leading vendor of online secure authentication. For more information, visit keypasco.com, or contact me at +46-31-102364. " # % " $ " # ! !