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Note that the bank will carry on using their Intel systems on the front end, with probably some crawling horror buried in the back office. All the intranet webpages will be IE6-only or similar.

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This. I am reasonably confident in my security on the client side, but my credit union's janky ASP site does not inspire confidence at all.

Some banks don't even use HTTPS consistently. Their security is almost always primarily through the legal system.

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