The increased use of point-of-sale technology, which allows consumers to use debit and credit cards for almost any purchase, has created a veritable gold mine for hackers, leading to a rise in targeted infiltrations of customer accounts, experts say. Analysts report that hackers are shifting away from mass virus distribution to favor more pinpointed attacks, such as "watering-holing," that are focused on restaurants, supermarkets and other retail businesses, which offer direct access to consumer bank accounts.

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