The FFIEC Internet Banking Guidance FAQs focus on Internet banking, but the principles also apply to all forms of electronic banking, including telephone banking systems. The emphasis is on high-risk transactions that involve the movement of funds to other parties and access to customer information. Financial institutions are advised to consider the risks of phishing, pharming, and malware. The answers to the problem are not clear cut and the absolute path is not known. The right technology solutions is up to the financial institutions themselves.”]
Source: https://www.cuinfosecurity.com/initial-commentary-on-ffiec-internet-banking-guidance-faqs-a-375