In the last few years, Internet sales have grown at a much faster rate than sales at brick-and-mortar retailers.

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That may sound small, but it's a massive figure relative to the .05% to .07% fraud rate at brick-and-mortar retailers, estimates Avivah Litan, senior analyst for Gartner, a Connecticut-based technology consulting firm.

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In central and eastern Europe too, where loans rose at twice the rate of nominal GDP between 2000 and 2007, they hit a brick wall in 2008 as overextended banks ran out of funding and bad debts mounted.

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