Some banks appear to have lighter-touch 3D Secure than others. I switched to my current (UK) bank when my previous bank, HSBC, introduced a mandatory keypad for

Some banks appear to have lighter-touch 3D Secure than others. I switched to my current (UK) bank when my previous bank, HSBC, introduced a mandatory keypad for online banking: no way did I want to carry that around everywhere I might want to check my balance or transfer money. The bank I now use doesn't require a keypad for personal banking, nor a password for most 3D Secure transactions.