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RE: Re: Bank Of Montreal Online Security
From: "Mikhail A. Utin" <mutin () commonwealthcare org>
Date: Fri, 2 Nov 2012 15:07:48 -0400

Frankly, considering usual number of a bank customers, which could be up to 10 million, using anything better than a 
user name and a password create a technical problem for IT, meaning finally money. Breaking in bank's accounts and 
stealing information is relativily rare. I do remember they replaced my credit cards twice during twenty years. I have 
accounts with 5 major banks, so see the statistics. I would believe that it is much cheaper for a bank fixing accounts, 
replacing cards, etc. than keeping on-line complex authentication system.
RBS Citizens uses as well an image associated with an account that adds some security value. 

Mikhail utin, CISSP


-----Original Message-----
From: listbounce () securityfocus com [mailto:listbounce () securityfocus com] On Behalf Of Mike Vella
Sent: Friday, November 02, 2012 6:02 AM
To: 'Davin Enigl'; security-basics () securityfocus com
Subject: RE: Bank Of Montreal Online Security

HI, been following this interesting discussion.
I believe 2 factor authentication is a must for this type of thing. PCi compliance?
Why leave yourself open to any type of attacks when it can easily be avoided.

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