The only way of having a secure channel is by knowing for sure that the other party is who you think he is. This is where the PKI (Public Key Infrastructure) comes into play with SSL. Without a PKI, it is very hard to have "trust" and this is exactly what CAs (certification authorities) sell.
To avoid any issues with the null character SSL flaw, online banks should use an EV SSL certificate because they are not affected. ASSL might be a good addition to an EV SSL certificate.
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