Original Article

Here is a very significant story regarding banks making consumers liable for fraud if the cause was their own computer. While I think that businesses would appreciate any removal of liability on their behalf, I think it is presumptuous to assume that the average consumer has the time or resources to ensure that their computer is secure.

“HSBC has already been considering it,” Murtagh said. “There is the potential that the banks will go back to the consumer and say, ‘We’ve offered you good practice guidelines online and 12 months free antivirus. If you don’t [make use of these] we refuse to pay out.’”

If something like this occurs in the UK, I think that it could become the standard. Considering that banks are planning on offering free subscriptions to anti-virus and anti-spyware software, it seems that these consumers have no excuse.