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Pre­senting your­self under a false iden­tity. In the con­text of e-banking, this means that a third party logs into a finan­cial institution’s site with someone else’s access data and there­fore under someone else’s name. This then gives the third party unlim­ited account access. For the finan­cial insti­tu­tion, it becomes exceed­ingly dif­fi­cult to dis­tin­guish whether they are com­mu­ni­cating with cus­tomers them­selves, with an inter­me­diary on their behalf, or with a crim­inal attacker. Imper­son­ation is used in classic-style phishing attacks and when third party providers access bank accounts.

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