He's only complaining about UX, but the bigger problem is that this doesn't actually make things much more secure. It is already really hard to teach casual co

He's only complaining about UX, but the bigger problem is that this doesn't actually make things much more secure. It is already really hard to teach casual computer users about security online. The one thing that used to work so far was "never enter your password on a website you've been redirected to" and "always check the site's identity in the address bar". Verified by Visa redirects you to some website on some random server and asks you to enter your password. There is no way for the user to check it's authenticity. A much more reasonable design would be to control all sales via your bank's website, i.e. having an inbox with "purchase requests" and approving them through your bank's interface. That would be both secure and very transparent to the user, and the bank could easily control the level of security required (passwords, TANs, ...).