By Yohai Einav, Senior Fraud Analyst

I have six friends that serve me true
Their names are Why and What and When
and How and Where and Who.
-- Rudyard Kipling

Why quote Kipling in an online identity blog? According to all his biographies, Kipling was never a victim of identity theft, nor did he ever write a blog.

But Kipling knew something about the 6 W's, something that we, in the security industry, often forget: starting with the "Why."

Have you noticed the phenomenon: every discussion about identity theft, security and online fraud - starts with the How and What questions:

"How do fraudsters attack banks?"
"What technologies are fraudsters using?"
"What is the damage to customers?"
"What can we do to protect ourselves?"

All good questions. But, the first thing we should ask is "why?"

"Why am I being attacked?"
"Why...