Hi @leumas. The tokens you carry around are not the only option available.
There are also, I believe they are calling them “soft tokens” which is just an app that is constantly providing a 6 digit code on your phone etc. there are a number of these available.
I personally have security issues with SMS Otc’s because the part of the “worldwide” mobile network that is used to deliver them, is a redundant part of the worldwide network that’s not maintained or secure.
It’s articles like this one on wired that I have read over a period of time , and as it’s a pretty reputable source, I tend to give it some credence.
So unless they have made major changes, it should certainly be an option, but it should only be an option and not a requirement
Personally I’m not a hacker, so I can’t tell you how they hack a Mobile network, all I know, is experts say it’s not safe.
The more options Xinja has without going overboard. The better I believe.
Secret questions should also be an option only.
I get it that some people don’t remember their secret, and that’s a pain indeed, however it helps people like me feel secure.
I would personally not rule out any option that was either a popular option, or one that was easy to administer by Xinja and customer alike.