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this post was submitted on 12 Oct 2023
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I feel like if a bank is going to use it, there needs to be a clear financial reason to. Because if someone can't access their account, they might lose their shit and leave for the first bank whose website works.
This is the reason that banks can’t even roll out MFA beyond a text message. Everybody uses a bank, less people use Netflix. The customer support headache if only 0.1% of people have to call in defeats any cost savings, and they already are ready to write off a lot of losses due to crime etc
Korean banks already require some pretty weird stuff. It's not common in the US at all, thankfully, but I can see them adopting it...