Aside from expensive, and questionable reliability, there is are a few other major issues SMS just doesn't address: 1) Blocking phishing: where are you typing

Aside from expensive, and questionable reliability, there is are a few other major issues SMS just doesn't address: 1) Blocking phishing: where are you typing that code into? the real site? Are you sure......zeus-in-the-mobile coming at you 2) and once you are into the actual site and you want to do something of value, man-in-the-browser becomes an issue >>>> this sums it up http://blogs.computerworld.com/data-security/24250/financial-firms-not-offering-two-factor-authentication http://blogs.computerworld.com/data-security/24250/financial... oh yes, and the 34 banks that have been spear-phished and SMS compromised know about it too.......