most of the Internet robberies which are effected with the ZeuS Banking Trojan are from the bank accounts of small- to medium-sized businesses. Or, at least, those are the ones which are reported by news organizations and bloggers such as Brian Krebs (http://www.krebsonsecurity.com).

Credit-card and debit-card fraud also take a heavy toll against small merchants as well as large ones, and affect small banks as well as large ones. There are just too many people who are committing identity theft and fraud to effectively investigate and arrest.