A Security researcher Gunter Ollmann at Damballa which is a company based in Atlanta says that there is an application for the Credit Card theft. It lets the people with no programming skills can use this application very smoothly. They buy these rudimentary software packages that can be used to build malware which can steal the passwords of online banking. These tools are been supported with a wide range of services even some offer money back guarantee which makes it very easy to create the malware.

The Success lies in tricking the users into unwittingly install this malware. Hackers upload their malware into a site where they will not be recognised by antivirus software. So, the online security industry have started to give warning that these products are likely to result in more potent attacks.