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October 20, 2005


Axel Eble

Two factor authentication in itself doesn't cut it. It's transaction authorization that's needed: every transaction has to be authorized by two-factor authentication, possibly with one-time passwords (be they pre-shared lists of OTPs or on-the-fly generated ones).
This would make life for phishers so much harder (and it's actually something that's implemented all over Europe in a more or less pervasive manner).


Interesting. Tell us more about how it's implemented in Europe.


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