Re:what is your major malfunction? (Score 2, Informative)

Add to this that you must authenticate every new destination and the phishers will have a really difficult time to get any money. They need to have my authentication device to add their own account and then add a transfer to the ones I do myself without me knowing. I cant see this happening. Sure thay can see what I have on my account by sitting in the middle and tehy can see all I do but they can not change what I do without my authentication device. I have used this since 1997 here in Sweden and would never trust a simple password to do my banking.