[Wowfunhappy]

> Statistics on mobile vs. desktop banking will really shock you; the mobile usage penetration is easily well upwards of 90% in many markets. There's also a skewed distribution for fraud-vulnerable users and scenarios.

But if my goal was to commit fraud, wouldn't I go to wherever it was easiest to commit fraud? The actual market penetration of each platform shouldn't matter.

[dsymonds]

It's usually done in bulk, so the overall payoff is the combination of value and number of targets, but the effort is typically sublinear with the targets. Something easier to attack but relatively low in number is not as juicy as something a bit harder (where the effort is mostly a one-off up-front rather than per target) but having many, many more targets.