My bank in India has multiple passwords for different kinds of access. I have one password to get web access, a pin number to get phone/ATM access (since most

My bank in India has multiple passwords for different kinds of access. I have one password to get web access, a pin number to get phone/ATM access (since most phones don't have full keyboards) and a third password to actually transfer money from my web account. A session timeout is 5 minutes of inactivity and if you use the back button, your session is invalidated. It's annoying.