On Monday, September 26, 2016 at 11:25:58 PM UTC+1, Andy Burns wrote:
Mike Tomlinson wrote:

newshound wrote:

Two factor authentication is a step in the right direction.

Santander's online banking has it. I know, because I use it.

I also use it, and in my case it does not have multi-factor ... it does
have a system where they present you with an image and a phrase which
you set, which serves to avoid phishing.

IS that what it does? I've always been slightly baffled by that. If someone's trying to hack your account, they're hardly likely to be deterred by it.

"OK, you got me, I'd have gotten away with it if it weren't for your pesky image/phrase trap".