London Police Commissioner advises not to indemnify victims of hackers
Outdated software in many cases is the cause of hacking into computers of individuals or organizations. In particular, this is relevant for browsers - outdated versions of such software are vulnerable to hacker attacks. That is why British banks and the government propose disconnecting customers with an outdated browser version from online banking.
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Recently, in the UK, cases of hacking into the accounts of bank customers have become more frequent, and the reason for hacking is the outdated software on the client PC. The head of the London police even
advised banks not to reimburse (or only partially reimburse) funds to clients who suffered through their own fault. According to him, returning funds to such clients is the same as “rewarding for bad behavior”, since the victims themselves were too lazy to update the anti-virus software and set a strong password.
True, banks will not be able to immediately implement such a solution; its implementation will include several stages.
Initially, the software of a client of a bank connected to an online service
will be analyzed by the bank. If the software is deemed obsolete, you will be prompted to upgrade. At this stage, the browser version and anti-virus software will be analyzed. If the client does not respond, it can be disconnected from a number of banking services. At the last stage, it is proposed to involve telecom operators in the project, who will be able to isolate customers whose PCs are affected by malicious software. Either the banks will simply refuse to customers who have lost their funds due to outdated software to compensate for the losses.
The main idea in this case is to make it clear to users that they are responsible for their own security, and not someone else, be it banks or the police.