The wisdom of the ill informed
Ivan Krstić
krstic at solarsail.hcs.harvard.edu
Tue Jul 1 23:53:11 EDT 2008
On Jul 1, 2008, at 12:46 PM, Perry E. Metzger wrote:
> My experience with European banks is quite limited -- my consulting
> practice is pretty much US centric. My general understanding, however,
> is that they are doing better, not worse, with login security.
As a data point, the largest bank in Croatia used to mail customers
pre-printed TAN lists. Some number of years ago, they switched to (non-
SecurID) tokens which require a 4-digit PIN to turn on, and then
provide two functions: a login OTP and a challenge/response system for
authorizing individual transactions. Your username is simply the
token's serial number, though it's not clear if these are in fact
serial.
--
Ivan Krstić <krstic at solarsail.hcs.harvard.edu> | http://radian.org
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