More than 50 percent of Indians prefer online banking over conventional banking with 24-hour access to their accounts. But banking from the comfort of your living room opens up a range of security risks, says Ravi Agrawal. Free and public Wi-Fi networks are also not secured, so hackers can easily steal your personal details, he says. Type the bank URL yourself is always safer than getting it via a promotional e-mail or any third-party site. A bank will never ask for your account's login credentials. Like the original trojan horse malware, if accidentally downloaded, it could sneak in and cause serious harm. The secure place you can transact is the encrypted mobile app of your bank.