While broadly welcomed, many in the industry have been concerned at the slow introduction of two-factor authentication.
"It has taken banks a while to get round to tokens because it is a cost to them," said Tony Redmond, chief technology officer at HP Services and HP Security.
"Some bankers have said that this is because it is more expensive to introduce tokens than the cost of the fraud because they can offset the losses against tax.
"But they are now being forced to introduce them because of the damage to reputation."
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