'Welcome to the Internet banking support service. To reset your security details please press 1. For all other enquiries press 2.'

Banking by telephone is hardly new. But it's not so much old-fashioned phones that have caused the banks problems as computers. They've allowed criminals to do from home what they used to do with a mask and a sawn-off shotgun. So now that telephony is moving onto the net should we be worried?

The real problem with VOIP is that it means that the telephone system is now going to be as secure as the Internet.