What kind of security by obscurity banks are people using where they have to enter numbers with the mouse to avoid keyloggers and answer to silly questions like

What kind of security by obscurity banks are people using where they have to enter numbers with the mouse to avoid keyloggers and answer to silly questions like my mothers last occupation??! Any reputable bank will give you a small external card reader with a keypad where you have to insert your smartcard, enter your pin and a punch in the challenge-response code from the website. 2-factor authentication is a solved problem, plus no risk of keyloggers since the device is disconnected from the computer. (Most come with the option of connecting to the computer via usb to save you from manually entering the challenge-response but your pin is always entered on the external keypad.)