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Do you notice a change around you? Have you observed how you are handling your finances now? CASH economy is no longer flourishing. You have plastic cards of all sorts and their virtual versions have been set in. You have electronic fund transfers of several categories-right from bulk transfers to retails transfers. Even if you use checks they clear in jiffy through their images. It has become very easy for you enter any market and exit any market. Be it a stock exchange, commodity exchange, forex market or any other market. Online malls,websites allow you acquire goods and services with a click to wallets ,online accounts and cards in order to pay for them. You get mortgage monies and loans paid to you within minutes in your accounts. Your taxes are collected likewise. Similarly you meet your payments for loan installments rather electronically. You generate a lot of data. This data can be interfered with and acquired by a new breed of bandits that are data savvy. Thus stolen data can be misused. we all need to be careful in digital transactions. I would cover it all in my next post.