Speaking on the BBC's Today programme, Coldblood said that "more and more people are downloading the voluntary botnet tool."
This signs them up to a so-called botnet, an army of machines that can then launch attacks.
Overnight Visa became the latest victim.
Its website experienced problems while Mastercard payments were also disrupted.
Both were victims of distributed denial-of-service attacks, which bombard websites with requests until they are unable to cope, and fall over.
From BBC News
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