>>Of course, the best authentication system for banking I've seen is
>>from UBS.  They send you a scratchlist of around 100 numbers.  Every
>>time you login you use one of the numbers and cross it off.  Very
>>slick.
> 
> Does that really work in practice? That sounds really annoying. Is this for 
> business banking or for retail? How do they get the next 100 numbers to the 
> user? Do they mail it out when they've used 90?

It works, as I'm a customer of UBS. They do it for everybody, business and
private. They send the the scratchlist by post, even, registered.

When you reach the 80th number, a new list will be automatically sent.


BR Christian

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