Who, the bank or the clients, should bear the damage due to the execution of orders from hackers? Shortly after the ATF 146 III 326 (cf. cdbf.ch/1150/), in which the Federal Court denied a serious fault of a trading company, the Ticino Court of Appeal is confronted with the same problem. Contrary to the decision of the Federal Court, it finds a serious fault on the part of the bank, underlining the danger of e-mail communications (Ruling 12.2019.148 of September 18, 2020).