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The trusty telephone is emerging as one of the key elements in new multifactor authentication schemes designed to protect online banking and other web-based financial transactions from rapidly evolving security threats.

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User name and password doesn’t cut it anymore in the world of online financial transactions. New federal rules call for multi-factor authentication schemes to combat growing threats. The latest multi-factor measures focus on biometrics, advanced analytics, and out-of-band techniques utilizing smartphones.

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