Well, more specifically, an unprepared you. Technology users—both consumers and bankers—who don’t remain informed and educated on the latest security risks can open themselves and others to attack.

In particular, we’re talking about the hazards of Advanced Persistent Threats (APTs)—large crime groups with a sophisticated online presence aimed at causing major damage to consumers and institutions alike. Some are so organized, as with mob groups, that they can run their crime rings like a bona fide business.