hey sweetie,
so sorry to hear that from you...
i'm currently in spore... and ya, in spore, they have the small device which generates dynamic number to log into our i-banking acc. the device look like this (POSB bank & DBS bank)


firstly we need to log in using our username and pin number. then, press the device to generate number to log in.


to transfer, you need to add the payee into your transfer payee list. then only you can transfer to the payee. and they have tac or they call them OTP(one time password) which will be send to your handphone to authorize the add in payee into the list.

they have alot of steps to make sure that its safe. troublesome, but very safe.. its alot safer using Spore bank e-banking compare to e-banking in Msia..

but i think, Malaysia need this thing more than Spore does..