1 transaction every ($interval * 1.5) seconds ought to be enough for most non-commercial banking users? Even if you could tie the token to a non-separable 'bun

1 transaction every ($interval * 1.5) seconds ought to be enough for most non-commercial banking users? Even if you could tie the token to a non-separable 'bundle' of transactions for larger transactions (Payroll for all staff?) Banking IT seems to have their heads in the clouds of regulations, and risk aversion to even proven modern secure solutions.