Web criminals are stepping back from infecting computers themselves and creating "one-stop shops" which offer gigabytes of data for a fixed price.
Speaking at InfoSecurity Europe, security firm Finjan said it had seen thousands of such online services.
Experts at the conference said web fraud was skyrocketing and called for police to urgently address the problem.
Security guru Bruce Schneier said anti-cyber crime efforts needed to be closely allied to the scale of threats.
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