Cybercrime is "one of the greatest global and strategic challenges of our time."

That’s the message Foreign Secretary William Hague gave to an international conference in Budapest in October 2012. It has, he added, never been easier to become a cybercriminal.

Apparently you can buy off-the-shelf malicious software packages that can target people's bank accounts, for as little as £3,000. Cybercriminals will even throw in access to a 24-hour technical support helpline – for their fellow felons.