hk monetary authority requested banks to improve online banking security. some implement e-cert. but hsbc is using another approach, i.e. security device. i've got one earlier than others since i used its service to do danagerous decisions (buying stocks).
it looks like a little key chain which will generate a 6-digit code everytime when you log in the system. but how the system works? if easy to know, then easy to crack. will we be safe to use? and it's easy to get lost because of the design. we need to pay $100 to get another one back except battery going out.
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