I do agree that this is some what of "babu" type mentality but there have to be fundamental changes in the structure/process of computer usage in India. For exa

I do agree that this is some what of "babu" type mentality but there have to be fundamental changes in the structure/process of computer usage in India. For example, the security measures that can be taken by RBI can easily be worked around as most people go to CyberCafe's to use computers. Not many people own computers. The people running the said CyberCafe's have little to no awareness of what is going on in there. It's not very hard to bypass the anti-virus to insert keyloggers. To make matters worse, some people simply go to the cybercafe owner and have him fill out all the forms and information as they do not know English. I have also seen one couple giving their CC information to the owner and the owner purchased something via Flipkart.