Online Banking Safe?

Nowadays, online banking have turned and become safer than before. I still remember many years ago, a hacker from China come to Malaysia (if I am not wrong), and hack into some personal computer from Singapore to steal the PIN of a specified bank account owner.

There are many way to do this, one is to capture the user keystroke activity by inject a trojan virus into the target computer. Your computer may infected while you are surfing some of the hacker's webpage or webserver which have been hacked by the hacker's trojan or backdoor. Beside, there is certain risk the computer can be affected by using other web service for example instant messenger or e-mail.

Apparently, now our bank give us magnificent service by inform us by phone about all the transaction conducted through internet. The only risk remain is you phone is stolen or the operator of bank want to steal your money. But the rate of this can happen is considered very low.

Obviously the bank have done some great job, I don't know how many operators they need but it gonna be a ton, isn't it?