... with a 68.9 percent of spam interception, Hong Kong with 64.5 percent, Germany with 55.2 percent, the United States with 54.2 percent, and France with 53.8 percent. Using the same method, the ... counties, they frequently move their operations from one location to the next in response to changing opportunities. One reason could be that ISPs in their current location may have become more proactive ... initially, however, it is the banks who bear the financial burden. Only in the medium and long run will financial institutions attempt to pass the costs of fraud on to consumers. The whole system represented...