That's not a good example. My bank issued a token device which scans their code, asks me my pin, prompts me what's going to happen and asks for confirmation. Then I can enter the digits to proceed.
This is reasonably secure. If you hijack my account, you still don't have the hardware device and the random secret that was set up between the device and the bank.
You need to actually hack into the bank itself to transfer my money elsewhere.
Meanwhile, I only access the bank with my own computers. That means I installed them and have root. Not a problem at all.
This is reasonably secure. If you hijack my account, you still don't have the hardware device and the random secret that was set up between the device and the bank.
You need to actually hack into the bank itself to transfer my money elsewhere.
Meanwhile, I only access the bank with my own computers. That means I installed them and have root. Not a problem at all.