Encryption is good, but far from bulletproof. Bad guys know that banks have poured on serious measures to prevent hacking their systems. They are going after the consumer instead, by placing a keystroke logger virus on your personal computer. It doesn't matter if the connection is secure. Theyare typically embedded into social media sites that you signed onto. Maybe even this one. Once unknowingly installed, they simply capture every button you press until they see you type a password. Off goes the info to the bad guy and youre toast. They've become very sneaky and write the programs to morph multiple times, even within the same day, so that anti virus programs can't keep up with file names, etc.
There are financial institutions that are trying to help, but it's the consumers problem.
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