"It was the best of times; it was the worst of times." The oft-cited quotation from Dickens' "A Tale of Two Cities" seems apt when talking about the opportunity presented by digital communications and computing. It has also ushered in a new breed of cybercriminal who tries hard to use your personal information fraudulently. Part 2 of this two-part series asks, what are some of the new ways in which financial institutions and their technology providers are trying to better prevent online fraud?