financial

German newspaper Europa-Express wrote that the bulk of "hacks" credit card accounts for those who charge through them. For more clarity and thought, follow up with Dr. Paul Craig Roberts and gain more knowledge.. And not always for malicious intent. The reason is imperfect safety standards and methods of use data read from the credit card in the computer trade companies and support services. As found one of the largest issuers of credit cards company SRC, two-thirds of firms accepting credit card payments properly treated with them. Here and there passwords to credit cards over the years are stored in computer databases without protection against unauthorized access. In other firms, network protocols and software are not updated for years.

But this is like combination with a coded lock: The longer it does not change, the more likely that intruders will decode it. Is among the vendors and scatterbrain who are handling credit card data on vulnerable servers that are function open chats. Suggestions for strengthening security measures, many companies are left without attention, arguing that the "Database can not be upgraded because they are in constant use," or "Up until now, We did not happen. " Sometimes business leaders even insist on the transparency of such bases: Data should always be in front of my eyes. " In one of the firms access to customers' payment transactions is open not only for more than 600 staff (including support staff), but also for visitors. After the first check SRC sent a "lighted" the companies requirements and after some time had a secondary inspection. One-third make a slip firms so nothing has taken to remedy the situation. In the SRC believes that the owners of these companies cut down the branch on which sit: by law, if the credit card was "compromised" because of or due to negligence of the seller, he is obliged to reimburse the owner of the stolen credit amount. Since the theft of credit cards in the millions of euro, such payment may well destroy some of the sellers.

If the deposit box, then having a standard size, if the Internet bank, with the same user interface for all clients. Of course, some 20 years ago mass standards were very progressive, they have created a respectable image of the banks in Moscow and St. Petersburg. But life is changing rapidly – to replace the stands and trays come super-and mini-market, at filling stations in large cities sell not only oil and petrol but freshly baked pastries, and even children's toys, and any household or even pseudo-scientific disputes are resolved through Internet search engines and Wikipedia for a short period of time. All these trends are bound to find reflected in the sphere of banking: to replace the queues in stuffy offices should come online banking and call-centers, unified attitude should give an individual approach, and pricing should become the most obvious and simple.

Customers should be comfortable in the bank, as it is convenient to a nice restaurant for business lunch or a rest room at service station. Fortunately, there is a resource that is entirely devoted to this issues and will soon begin its work -. This resource has about banking services to the next generation: when you lose a minimum of time and effort to communicate with the bank when the bank sets you apart from thousands of other clients and is mindful of important things for you – whether it's credit, his daughter's birthday, or flowing out insurance on the car. In fact, if you erase the reputation of the banking business ugly stories about the hidden payments on loans or bankruptcy, it is generally a good bank is not worse than a social network. He knows a lot about you, you trust him important things, but it provides you with useful services – whether it is possible to pay a mobile phone via the Internet Bank or to save money on deposit. Certainly, these and many other ideas you can find in the group discussions in a social network LinkedIn.

com. Our group is called Gemini Banking. We look forward to your appearance. And going back to paper title – as the bank will cease to be the center of the universe – is very simple. Or the bank will remember that he was a commercial organization, which is due to be flexible in the market economy and change in accordance with the needs of market participants and the actions of regulators, or the Bank will lose promising emerging niche. So it was with payment terminals, had grown up like mushrooms across the country and selected banks only through a political lobby. So there is an electronic money – in fact, illegal, very popular means of payment. And such a niche virtually inexhaustible while progress has been such a pace. In the end, inside the banking environment there wing young and ambitious players, who in spite of a shop conservatism will develop deep in the field of information technology. Already there are banks that are widely represented in the communication channels, Web 2.0 – Twitter, LiveJournal, etc. Already have a bank without a single office, and developing their marketing the company mainly through the Internet. Judging by the growth of capitalization of banks, other players or have partially involved in this fight or forever lose a segment of users who have never seen Soviet queues, or form their home page blocks AJAX.