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The old alternative in Germany was that you had a piece of paper with numbers on them. So it absolutely may be a step backward.
by aristidb 15y ago
The old alternative in Germany was that you had a piece of paper with numbers on them. So it absolutely may be a step backward.
- stesch 15y agoI might add, that the numbers were indexed and the banking software was requesting a random TAN. This was called iTAN.
- darklajid 15y agoWe had both (both the original TAN list where every number could be used just once and invalidated all previous numbers on the list and the iTan system). I prefer the token thingy my bank gave me. Insert your direct debit card, enter two numbers from the screen (usually corresponding to your transaction in some way, to confirm _again_ that you're really trying to send money to account X) and generate the TAN. Done.
- coffeeaddicted 15y agoMy bank (Landesbank BW) gives you hardware (looking a little like a calculator) where you for example type in the bank-number of a person to whom you send money and then it'll calculate some PIN for that action.