[virgilp]

> my first thought is:

> > what's the most effective exploit to tap into that market?

So??? What is it? Do let us know.

I'd venture to say that the fragmentation of that market makes it reasonably secure. Just like how the average router is incredibly insecure, and yet you don't advise people to avoid e-banking and just deal with their money in paper form and through face-to-face contacts.

Yes, you are technically right. But @quanticle is right, in practice: unless those users do some very stupid shit, they're pretty safe doing ebanking on their phones. (and those who do the "very stupid shit" are likely to do it on their computers, too)