From a study done by PayPal one may conclude that the Dutch are the most naive about internet security, only 23% of the Dutch worry about loosing their digital identity versus 90% of Americans. But does being aware really make you safe enough on the Internet?
There are countless ways in which your identity can be stolen or your computer can be infected even if you run the best anti virus software out there.
You click on the link and are taken to a web site that might or might not be interesting to you and before you can close the web page, a piece of malware will creep into your browser and from now on every time you visit a web site your user name and password are transmitted to the hackers web site. In other words your identity was stolen and all you did was click on a link on a trusted web site.
Another way is to change the way authentication is done on important web sites such as your bank, your online trading account and even PayPal. However changing the way you do authentication has to be done carefully; yes you can design some draconian method that will be very safe, but make it too draconian and you will scare away customers. It is time something is changed in the online authentication space.