Common use of Home Banking Clause in Contracts

Home Banking. Figure 3 shows a comparison of the use of multifactor authen- tication in 2013 and 2015. Not a lot has changed. Banks that applied multifactor authentication still do so, and most banks that opted to use only knowledge have not gone back on this decision. Only a small number of banks that previously only relied on a password and/or PIN have changed their authentication methods to multifactor. ACM Computing Surveys, Vol. 49, No. 4, Article 61, Publication date: December 2016. A Survey of Authentication and Communications Security in Online Banking 61:11 Fig. 3. The use of multifactor in home banking, 2013 and 2015 compared.