Banks Shifting Logins to Non-SSL Pages

Posted in » News - by Ades on August 24th, 2005

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After years of training customers to trust only SSL-enabled sites, banks are shifting their online banking logins to the unencrypted home pages of their websites. Although the data is encrypted once the user hits the “Sign In” button, the practice runs counter to years of customer conditioning, as well as the goals of the browser makers. Three of the five largest U.S. banks now display login forms on non-SSL home pages, including Bank of America, Wachovia and Chase, as well as financial services giant American Express.

Web sites are generally reluctant to use “https” on busy home pages, since SSL involves a tradeoff: improved security, but slower response time. Consumers, meanwhile, prefer easy to-remember URLs for their online banking. In placing login screens on non-SSL home pages, banks are trying to have it both ways: fast page loading without the SSL-related performance hit. The login form’s “action” URL points to an SSL-enabled https URL. read full article

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