Abstract
Banks take a vastly different approach to authenticating users online. Bank of Ireland and RaboDirect have opted for two-factor authentication using security tokens with dynamically changing numbers. A security token is also offered by Paypal, which charges £5 for it. Others still lag behind with passwords and ID codes only. This month Computer Fraud & Security examines in detail how two major banks authenticate their customers. Steven Furnell examines how two major banks – HSBC and ING authenticate users
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