Malware
The term malware (short for malicious software) is the collective name for any harmful or damaging software, often designed for criminal purposes. It disrupts and manipulates normal computer operation to steal information and facilitate fraud.
How does one commit it?
Malware can often install itself on your computer without you noticing, usually when you open a spam mail or visit a suspicious website.
Criminals are increasingly turning to banking malware, computer viruses specifically written to cheat people banking online.