Just who's to blame in the Target security breach?  That's the big question between banks and retailers in the aftermath of the breakdown that left the personal information of millions of shoppers exposed. 

The information of more than 70 million Target shoppers is believed to have been hacked in the latest high-tech theft scheme.  But how to fix the problem---if it even can be fixed--and keep it from happening again, is at the center of the battle now.

Retailers, like Target, say banks need to upgrade security technology to better protect consumers, but the banks say it's up to retailers to tighten their card processing.

Industry watchers say consumers need to make sure they're not relying only on others to protect their rights and privacy.  They say we should be checking our accounts, credit card balances, and other financial documents every week--if not every day.  Routine credit score checks are also being advised.