The Guardian today is reporting that all the big banks - except HSBC, which also controls First Direct - are to demand that online customers use "chip and pin at home" devices to identify themselves before moving money out of their accounts, in the biggest change to personal banking since chip and pin replaced signatures at the checkout. It doesn’t matter how many front end systems that the banks put in place, they will never be secure if the back end systems are still open to hackers and thieves.   more »