New techniques in banking fraud are applied not only to malicious binaries, but also to how different cybercriminal groups use these binaries. Criminals always attempt to make the most of their malicious software. An example of this is the broad possibilities offered by HTML code injection. The latest injections discovered in both ZeuS and SpyEye show, once again, their continuous struggle to adapt to the changes and measures put in place to counter them. In the case of ZeuS, one of the latest strategies involves rendering useless the two-factor authentication used in numerous on-line banking operations.Similarly, in a campaign for distributing SpyEye, the group responsible for the malware injected code designed to automatically make fraudulent transfers after dynamically obtaining the destination accounts (mules) from a server. Therefore, the impact of campaigns to spread malware depends not only on the dangerousness of the malicious software itself, but also on how this software is used and the creativity of its criminal owners.