What is cyber crime? There are a number of different ways that criminals are trying to target financial institutions. There is social engineering exploits, which is when an end-user gets an email claiming to be from their bank, but it’s really a cyber criminal. Within that email there is a link asking the end-user to confirm their account information. Cyber criminals then leverage the credentials to gain access to the user’s financial records and banking accounts. Malware is another piece to it, where criminals distribute malicious software and a user is tricked into installing a keylogger or screen scraper program on their device. This means that when an end-user enters their credentials, the program can capture all that information, allowing criminals to gain access to the account.