CommBank's is a nice mechanism, and doesn't really slow the transaction down by more then 30 seconds or so. In fact, I'd like them to apply it to more of the op

CommBank's is a nice mechanism, and doesn't really slow the transaction down by more then 30 seconds or so. In fact, I'd like them to apply it to more of the operations I can perform; I'd be happier if every time I logged into internet banking, an SMS was sent containing a one time key.