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This paper looks at the technologies that are on offer, and the strategies that banks are employing in order to secure account holders' online bank account activities. Against a backdrop of the increasing use of the online channel, this paper looks at the various technological approaches for delivering this security, falling broadly into two categories: those which are customer-facing in that they require the account holder to take some additional action beyond typing in their username and password, and those that do their work in the background, with the account holder only being contacted when an anomaly has generated an alert upon which the bank takes action.
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