The number of people using online bill pay and online banking services has reached astronomical levels. Each of them assumes that every time they use a computer to connect to a business or bank to pay a bill or handle a banking transaction that the site that shows up in their browser is the site they want to be logged into. In order to ensure that this is the case, the first time the real site is accessed a root certificate is placed on the user's computer.
The Root Certificate Verifies Your Digital Certificate
The purpose of this root certificate is to compare itself to the digital certificate of the site your client is attempting to access. In the event that someone has put up a fake site and is attempting to reroute your clients to it, the lack of verification will not allow your clients to access the site or leave any personal information on it that can be used for illicit purposes.