Passwords and Tokens and Pictures, Oh My: Are You Ready for Multifactor Authentication?

This Financial Insights NewsFlash gauges initial industry response to the recent Federal Financial Institutions Examination Council (FFIEC) guidance on multifactor authentication. According to this guidance, Authentication in an Internet Banking Environment, financial institutions must use effective methods to authenticate the identity of customers using their products and services, potentially multifactor authentication.

According to Karen Massey, senior analyst, Consumer Banking and Credit, "Banks and vendors alike are struggling to understand the applicability of the mandate to their universe as they create a plan of action to either become compliant or offer a compliant solution by the end of 2006."

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