We have reached a point where if an online store's branding and reputation conveys a sense of trust, the brand and its web site displays the key authentication symbols/certificates, we should shop, shop, shop (Are we really so scared when online shopping? newsdesk.computing.co.uk).

The banks cover fraudulent transactions and getting something back from banks these days is a triumph in  itself. Perhaps this is why banks are pushing these highly annoying secondary security systems. It is beginning to defeat the purpose of the exercise, which is speed and convenience.

Having to carry tokens  is impractical and having  to create number/letter combination passwords just forces us to write all our numerous passwords down, again defeating the purpose of the security measures in the first place. Let  technology do its job.

Bryan Hunter