It might be suprising how much loss of confidential data is initially simply the result of carelessness by an individual or an IT team. Many large databases of consumer details that should have been kept highly secure, have been placed on servers that were accessible by open and unauthorised access from the Internet.
Many domestic - and some business users - have not changed the default passwords on their wifi or routers allowing criminals easy access to their home networks.
Many servers on the Internet, and many domestic computers run out of date software that has known vulnerabilities that can be exploited by the criminal. It is very important that all users keep software and systems up to date.
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