I actually secure my mobile banking access with a four digit pin. I make two or three transfers per day, and it would be a pain to have to enter a long and comp

I actually secure my mobile banking access with a four digit pin. I make two or three transfers per day, and it would be a pain to have to enter a long and complicated password that often (especially while standing in line at a store). To actually transfer money out of any of my accounts to an unknown account requires two-factor authentication (and transfer to unknown accounts can't be done from a phone). I find the balance of convenience and security fairly good in this instance.