Man-in-the-browser (MITB, MitB, MIB, MiB), a form of Internet threat related to man-in-the-middle (MITM), is a proxy Trojan horse[1] that infects a web browser by taking advantage of vulnerabilities in browser security to modify web pages, modify transaction content or insert additional transactions, all in a completely covert fashion invisible to both the user and host web application. A MitB attack will be successful irrespective of whether security mechanisms such as SSL/PKI and/or two or three-factor Authentication solutions are in place. A MitB attack may be countered by utilising out-of-band transaction verification, although SMS verification can be defeated by man-in-the-mobile (MitMo) malware infection on the mobile phone. Trojans may be detected and removed by antivirus software with a 23% success rate against Zeus in 2009, and still low rates in 2011.The 2011 report concluded that additional measures on top of antivirus were needed. A related, more simple attack is the boy-in-the-browser (BitB, BITB). The majority of financial service professionals in a survey considered MitB to be the greatest threat to online banking.