Yes banks need to do more.

The old 100 point ID check to open an account worked well, a licence and a Medicare would not pass the old 100 point check. The picture on the licence was part of the ID look at picture on licence compare to the person in front of you. Who diluted the ID requirements?

But don't blame the banks entirely.

. I get 10-15 scam emails a day - no idea how many I-phones I have won.

. Why do software allow remote access on your computer ? There should be a separate software for people that need this facility (people that work from home)

. I just got a new mobile and opened online banking - it asked me do you want the phone to recognise the password. NO NO NO. I want to key that in every time I sign into online banking.

. How many big companies have been hacked ? Giving away data that can assist scammers.

. Why do telco allow overseas calls to look like it is a local call?

. Some scams are when scammers pretend to be you and say I have lost my phone. Give me a new SIM card. More security is needed.

I would love a dollar for every time I heard "I had to phone xxxxx for mum - it was easier for me to pretend I was her , I know the answers the the ID questions better than mum anyway". There are faults identifying people over the phone or online.

Should banks pay for scam - the answer is sometimes. But some of the other companies should also have to chip in when their systems are not up to scratch.

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