Submission - Joint submission to the 2007 Review of the Electronic Funds Transfer (EFT) Code of Conduct to ASIC (May 2007)

General Resources

ABC, Banking sector wants consumers to pay for online fraud, 15 January 2007, <>.

Bajkowski J, Police reject bank clients copping loss, Australian Financial Review, 19 April 2007.

Bendigo Bank, Bendigo e-Banking Security Tokens, <>.

Carreker, ANZ Recognised for Internet Banking Security, 9 March 2007, <>.

Espiner T, Phishing attacks surge, ZDNet UK, 7 November 2006, <,1000000189,39284591,00.htm>.

HSBC, HSBC launches second factor authentication for retail customers, 25 October 2005, <>.

Kotadia M, Citibank helps phishers improve their bait?, ZDNet Australia, 13 November 2006, <,139033343,339272163,00.htm>.

National Australia Bank, SMS payment security, <,,82833,00.html>.

Nielsen J, User Education Is Not the Answer to Security Problems, October 2004, <>.

Sneddon M, Legal Liability and E-Transactions: A scoping study for the National Electronic Authentication Council, August 2000, <>.

Tubin G, The Sky Is Falling: The Need for Stronger Consumer Online Banking Authentication, TowerGroup, April 2005, <>.

Woodhead B, Stronger security for Commonwealth's retail users, Australian IT, March 27, 2007, <,7204,21449009%5E15318%5E%5Enbv%5E,00.html>.

Wüest C, ‘Phishing In The Middle Of The Stream’: Today’s Threats To Online Banking, Symantec, 19 March 2006, <>.