I think this is slightly different from the article you link. Here in the UK in my business account I have to login with my password and then get a token from

I think this is slightly different from the article you link. Here in the UK in my business account I have to login with my password and then get a token from a small gadget that authenticates my debit card (I enter the pin and it gives me a unique code that I enter in the banks' web page). Then, when I am in, if I want to do a transfer money to another account I need to use that gadget in a different way and enter a few more details after authenticating again and at the end it gives me yet another unique number to conclude the transaction(s). The article you link to applies to online and offline payments (not transfers) using a POS when paying with a chip and pin card. Although I guess that the same principle might apply to money transfer this has not been demonstrated yet. It certainly is better than the previous version where all yo had to do was reenter your password. It is a bit annoying though.