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Old 02-24-2019, 08:14 PM
Location: Cebu, Philippines
5,881 posts, read 2,560,332 times
Reputation: 10728


Here's a thought. Offer the clients a choice. An account that is high security and low convenience, or an account that offers convenient access but the client is willing to forgo some more stringent security features. Instead of bulldozing all clients into one-size-fits-all, regardless of their personal needs.. Like, they don's say "we have one checking account, here are the rules, take it or leave it".

It's just a matter of checking a box, "Do you want optional second-level security? This may affect your ease of online access."

Last edited by cebuan; 02-24-2019 at 08:27 PM..
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Old 02-25-2019, 05:50 PM
13,249 posts, read 10,849,532 times
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Too many banks, social media, bureaus, etc. have been breached this decade, so essentially they have reverted back to 20th century mode to reduce their risk.
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Old 02-26-2019, 07:53 AM
389 posts, read 187,505 times
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I've not noticed companies pushing more towards call centers. I have noticed that fewer companies have chat available, which I miss. Fortunately, the businesses I frequent most have chat options, so that keeps me happy.

RE: banking code numbers

I resent the necessity of having my mobile available all the time, but I do understand the security need. I just grimace and bear it.
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Old 02-26-2019, 07:58 AM
Location: The analog world
17,086 posts, read 10,709,666 times
Reputation: 22789
Originally Posted by cebuan View Post
Increasingly, banks won't even let you log on without texting you a security code, so you need to have your phone in your hand every time you access your account. So you might as well just phone them. If you choose not to be a slave to a smart phone, you are disqualified from even having an online access.
Are you sure? My bank will text or email the security code. I don’t have to use a text-capable phone to get things done.
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