Comment Re:Let's Look At The Positives (Score 2, Informative) 39
No transaction can occur in at our bank without our signature. That means someone has to get off their dead ass and go to the bank and authorize it with proper credentials. It sucks. Someone has a job just to do this. All of the crap is generated on a computer but until that person toddles over there and signs off on it. Nothing happens.
The problem with alot of these more manual authentication systems is that while it sounds good from a security point of view it is quite possibly easier to circumvent the authentication procedure than the complexity with which the trojans are going through. Alot of people think manual phone based authentication like the SMS authentication option is a good idea however the real authentication strength is only as strong as convincing the targets telephone company to forward all their calls to their "new" number. The real authentication is usually only as strong as knowing the targets birthday or similarly googleable information.
