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The ever-growing use of e-Banking and e-Commerce are a major challenge for all personnel involved with security, fraud and identity theft. Most of the consumers that still do not use e-Banking services, do so because of their perception of the risks involved, and a user that has been victimized once, may never return to use the bank’s web services. Prevention and education are by far the best methods to eradicate the various forms of cyber fraud, but with millions of users and several levels of knowledge and expertise – no large organization can expect to rely on awareness alone. The revolutionary, patent pending, VERSAFE platform protects users’ identities, without the need for their proactive behavior. Everything is done quietly and in the background, so no one needs to worry. All activities are monitored by a team of professionals, around the clock. VERSAFE can guard the bank of phishing attempts, Trojans and pharming, on line and in real time.