Scott Berinato writes an article for CIO titled "How Online Criminals Make Themselves Tough to Find, Near Impossible to Nab". According to Berinato, "computer crime has shifted from a game of disruption to one of access. The hacker’s focus has shifted too, from developing destructive payloads to circumventing detection."

Jim Bruene blogs about his upcoming Online Banking Report issue on the topic of Social Personal Finance. Jim says it will include "a detailed look at Wesabe and Lending Club, which is catering entirely to Facebook users, and what banks should do to compete and/or partner with this new type of financial provider."

The Financial Services Technology Consortium has posted some of the presentations from its recent Annual Conference to its website.

In a new post-FFIEC implementation article titled "What Banks Tell Online Customers About Their Security", Sarah D. Scalet writes for CIO Magazine writes about what she earlier called "creative" authentication. She writes about her experiences calling Citibank, Chase, and Bank of America and asking the call center reps about her concerns about online security.

MasterCard has filed with the SEC a copy of its presentations from today's MasterCard Investment Community Day. MasterCard has also posted the presentation materials (PDF) and related product information (PDF) to its web site.

• CreditCards.com: Weekly Credit Card Rate Report
• New AAA Credit Card Offers Cash Back With No Annual Limits on Rewards
• Sheetz, Chase Help Cardmembers Order up Savings with Enhanced Rewards Card
• STMicroelectronics Partners with Gemalto to Create Turnkey Microcontroller for Smart-Card Reader Applications

We have received news of the following recent management changes:

• Garen Staglin has been appointed to the Board of Directors of Bottomline Technologies. Staglin served on the First Data Corporation Board of Directors from 1992 to 2002, is the former Chief Executive Officer of eONE Global LP, and a member of the Board of Directors of ExL Services, Solera, and Global Document Solutions.