Experts say the main reason for this is a fear that personal banking information and money can be stolen.

专家表示，这样做的主要原因是担心个人银行信息和资金可能被盗。

In recent years, the Internet has become an appealing place for criminals to obtain identifying data, such as passwords or even banking information.

近年来，互联网已成为犯罪分子获取身份数据（如密码甚至银行信息）的一个诱人的地方。