Just over a year ago, Alex Shipp witnessed something in the IT security world that could have big implications for the future of online banking and retail. The MessageLabs futurologist found a malicious program that would wait for people to log into their online payment accounts and then start transferring money automatically to hackers. The tactic is very different from other Trojan horses, which steal passwords and user names, reporting them back to hackers for use at a later date.

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