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Originally Posted by Cynthetiq
I understand what you're talking about. I'm not necessarily talking about using my MC/VISA. But today in NYC I don't even have to sign for something. I can swipe the card for purchases under $50, and walk out the store with whatever was purchased. No signature required.
I am however talking about ACCESSING my bank account via the internet. It isn't smart to use a Internet cafe to access your bank account, as there may be a keylogger present. My bank HSBC actually has a mouse click keyboard as a secondary authentication to combat keyloggers. But if there was a keyfob, then there isn't any real fear of keyloggers recording and access.
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Right, except that it's the same story again. The bank has to be as secure as possible, but also has to keep the security as transparent as possible. Online banking is your bank's best friend, because it means less branches, less tellers, etc. But if people needed a keyfob to use it, fewer people would. The bank balances the risk of keloggers with the convenience of being able to access your account from anywhere with internet access, and this is the compromise.
I don't think I'd do online banking in an internet cafe anyway, but perhaps that's just me.