OpenID actually has support for extensions that can allow you to require additional requirements of the AP (authorizing party). This means a bank could, for exa

OpenID actually has support for extensions that can allow you to require additional requirements of the AP (authorizing party). This means a bank could, for example, ask for multi-factor authentication from the AP. I doubt banks will accept generic identity providers in the near future, but I can see them allowing known players in the consumer internet space to provide multi-factor identification. At the least they could let you identify yourself with another provider and then add additional factors on their side.