Below is a great write up of a new black market I've been describing to people over the past 18 months. The idea of hackers targeting you as an individual seems very slight - targeting your bank (assuming the bank is still there of course!) seems like a much better target.
But - that's where common sense fails.
All people who use the internet for commerce, banking or just chit chatting are exposed.
Why should I as a hacker attack a bank that has a couple of major firewalls and a variety of anti-fraud devices, when I can create, buy or rent a program that'll provide me with the keys to the kingdom?? (your username and password)
It's just like a burglar trying to convince a bank teller just to give him money - then failing that he walks down a suburb street just testing every front door. If it's locked, no problem, there are many more homes. If it is not - then he'll go inside and find the person's bank book and id so he can NOW easily make a withdrawal.
For this type of hacker, any or all of your personal information is valuable for social engineering as well as any user id's and passwords.
vnunet.com analysis: The malware 'shadow economy' - vnunet.com
the key here is don't freeze from fear - but take the right steps and protect yourself!
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