The web is sufficiently safe for banking.

Digital certs are required for the data transfer. The systems themselves should be either Windows NT 4/5 front end with any decent multi level secure (MLS) operating system as the back end, or an MLS all the way through. An MLS database should also be used.

If you don't understand this, or question why you'd want Windows, I strongly suggest you hire a good security consulting firm.

The question of calling in or surfing over... does the call in use a dial back system? If not, the digital certs offer greater assurance,

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