Along with the loss of monies, victims incur additional costs in the restoration of credit and reputation. As more and more is at stake and larger transaction amount flow over the Internet, fraud will only increase. Compared with the speeds possible on the Internet for business users, the Web is slow, clumsy, and primitive. Common standards and conventions exist for Web technology, but relatively few guidelines exist for the user s experience. Mechanisms, including navigation, differ from Web site to Web site, as opposed to most business applications where common controls perform the same tasks in widely disparate applications.
Many users forgo searches and shopping forays on the Internet out of frustration.
Even when connected to a legitimate business site, users without a previous relationship with the business often lack the trust needed to perform a transaction with that business. Further, most Web users may not know that a Web site with an X509 SSL Certificate means that the server is SSL-capable, but it does not necessarily mean that all pages are secure. SSL is used sparingly in practice since it requires a significant amount of additional overhead, making the download of SSL pages significantly slower, and a poorer user experience. Consequently, non-SSL pages contain important business information though their source can be a complete mystery. Digital certificates verifying individuals' identities are used in company intranets.