Two-factor authentication email
Despite the fact that Internet is not young, strict authenticating of users is still an actual problem. Strong authentication is the most high demanded feature of critical services like financial or legal.
While biometry is the most popular media theme cryptography certificate authentication are the most widely used solution. There are many implementations of this type of two factor auth – digital certificate could be stored on flash drive, or smart card, or special dongle. But, anyway, certificates that are connected to PCs are vulnerable in principle. One-time passwords, on the other hand are more secure. But, to support OTP solutions, unfortunately developers must took some significant efforts, while certificate authentication are supported usually “out-of-the-box” by commercial software. So, only reach banking organizations with strong development teams support OTP tokens.