I was just reading this article on myOpenID CallVerifiD regarding using phone authentication for online log ins. This made me wonder why the mobile has not become a more common authentication factor.
I've talked to too many people who have said that online banking has two factor authentication because you "have" the user name, and "know" the password. This is complete bunk. You "know" both of them, which leaves most online banking logins as single factor, multi-layer solutions. Compare to th...