> Banks are bad at security. I disagree. I live in Europe and all my online card transactions over a nominal sum (~$10) are tied to a certificate-based securit

> Banks are bad at security. I disagree. I live in Europe and all my online card transactions over a nominal sum (~$10) are tied to a certificate-based security application that requires confirmation on my phone. This same application is used by all banks and most government entities. There are of course banks in the world that are bad at security, but “banks”, as a general term, most definitely are not. The fundamental problem is, of course, that security is annoying, so any fundamental security improvement to online banking needs to be mandatory and centralized, and if there is no will to push something like that I’m not surprised nothing happens.