We have the same problem in Norway actually, just not nearly as bad. The banking industry has standardized on a technology called BankID for authentication, alm

We have the same problem in Norway actually, just not nearly as bad. The banking industry has standardized on a technology called BankID for authentication, almost all banks use it. The problem is that the tech sucks. It's based on two components: * A keychain code generator (if you lose/forget it then you're screwed) * A Java applet where you enter the code from the keychain code generator So, if you either don't have your code generator device with you or are on something without Java (like a smartphone or tablet), then you're screwed. Thankfully the use of BankID isn't required by law so a few banks offer other way more practical ways of authentication. My bank sends a random code to my cell phone through SMS that I have to enter in a normal web form. Much simpler and works everywhere.