What about the one third of customers who want security

Mobile phone authentication represents a better strategy anyway.

Transinteract integrates ID, transaction and email authentication, electronic document signing and a whole lot more services using a device your customer already has in hand.

Those Abbey customers aren't fools they just don't want extra gadgets they'll have to pay for one way or the other, carry around and throw out too soon. 

What do you want a solution or a toy? 

32% want one type of security / 68% want some other kind - 100% want to feel secure. Fi's need to consider offering something more appropriate.

In a world of technology convergence why is the industry keep churning out more hardware? 

Some customers will be naturally happy to use a hand held next to the PC at home for internet banking and CNP payments.

Meanwhile others may be more content with something integrated into mobile technology, or a higher level voice authentication process integrated into banks IVR so you can use any phone at hand for authentication.

I would be content with a system where the bank calls me to verify the payment, before release, and so we could actually authenticate each other.

David, without blatantly advertising, Transinteract's solution verifies both the bank/merchant and the account holder to each other in the same process using any mobile phone (or even landline for internet banking if you still have one) in a few seconds. No talking, no gadgets, no copying things into the browser and at the lowest cost.