Many banks in the UK do require the use of a card reader or a device that generates one time passcodes in order to use online banking. Ironically, a lot of peop

Many banks in the UK do require the use of a card reader or a device that generates one time passcodes in order to use online banking. Ironically, a lot of people complain about the inconvenience of having to use them. I wonder if banks have greater liability in the case of fraud than elsewhere.