Everyone thinks they are creating secure systems, but as long as there are criminals they will find security leaks. There is no such thing as a secure system.

Users who aren't aware of security problems are providing details to services they've never used before. Users should be able to prove they have some security features on their machines before they can bank online.

If you buy a car, a warranty is normally in place. I think users should expect the same online. If users use a service like Yahoo this service should offer a certain level of security, which Yahoo does offer — it's a question of if users are using it. The big players have dozens of advice lists, but the question is whether users are looking at the pages.

There must be a self-regulatory process for the big players, with internal rules, as that is efficient. However, self-regulation is not enough--you need both legislation and self regulation.

If a country is running a huge case, it's often the last thing to think that another country might have a similar issue.

If you buy a car, a warranty is normally in place. I think users should expect the same online. If users use a service like Yahoo this service should offer a certain level of security, which Yahoo does offer — it's a question of if users are using it. The big players have dozens of advice lists, but the question is whether users are looking at the pages.