the security devise is called "token"

some people don't want it for it is not so convenience than normal SMS PAC
but some people think this "token" is more secure....

try get more info from here
https://www.pbebank.com/Personal-Banking/FA...ng/PAC-(1).aspx

something, for some companies,...they will weight the needs to do that....either thru ROI or impact assessment analysis or others.

I guess, they have data showing,....not necessary for now for the impact of this few complaints (to either financially or branding) are not justifying for the additional cost.

just an example.......those that complaint here...did they continue to use PB banking or related services?

This post has been edited by MUM: Apr 25 2018, 10:41 AM

they have ISO 9001 "Under the “Provision of Customer Service at Front Office” processes"....
with that, they would have to do periodic reviews of one of the clause requirement ...like clause 4.2: "understanding the needs and expectations of interested parties..."
That clause is also needed to be reviewed during the Management Review input clause 9.3.2.....

thus,...if there is a problem that could cause high impact risk or high occurrence opportunities, it would have to be made known and aware of and would have taken necessary actions to reduce the risk impact or take appropriate actions to enhance the opportunities....

yes, it would be a no brainer....if really not happy; change lor....why still stick with it....when the choice is available and non restrictive..

This post has been edited by MUM: Apr 25 2018, 04:06 PM

6 months ago, ....
Bank Negara Malaysia (BNM) has instructed financial institutions to stop using SMS One Time Passwords (OTP) as a form of authentication for online activities or transactions.
https://www.google.com/url?sa=t&source=web&...YJyvWLdnD4rsAl_