There are many theories on how the suspect managed to get hold of the victim's user name and password. The victim may have inadvertently entered it on a false website, one that looks like a banking site but in reality was a hacker's home page designed to capture data. Another way may have been through a Trojan horse program designed to capture keystrokes and then e-mail the user name and password whenever the victim went to a banking site.

With only the user name and password, accessing financial information online is rather dangerous since all it takes are those two items. This is why additional security protocol is necessary to further safeguard data.

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