Two factor Authentication

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Presentation transcript:

Two factor Authentication SMS Token E-cert 6/5/2014

SMS Disadvantages Advantages Telephone signal not available (e.g. in basement) Need to have a mobile phone Possible delay (in busy period or overseas connection) Additional costs (roaming overseas) Costs for the bank Need to register again if users change their phone number s Advantages Almost everyone got a mobile phone No need to carry other devices Easy to use 6/5/2014

Token Devices Disadvantages Advantages Need to carry additional devices One token device for one bank only Many tokens if user has many account in different banks Additional cost for the bank (up to this moment in HK) Maintenance (Battery) Advantages Free to customers (up to this moment in HK) Easy to operate 6/5/2014

Digital Certificate Disadvantages Advantages Additional cost for customers (e.g. $50/year in HK) Need some computer knowledge for first time installation Need to carry the digital certificate (and to protect it) Advantages Can be used for many accounts in different banks Can be used for other applications 6/5/2014