Going the credit card route is good advice. I will consider it, thanks.
It may be time to do a bare metal restore on my computer. I'm on a Mac and have a reputable endpoint security platform. I do not believe I have a virus/worm, but getting hit twice in two months is either malware-related or extremely coincidental, and I agree with you it appears the malware diagnosis may be more realistic. I've had this computer for 5 years now and have never done a bare metal restore. It may be time.
I feel there should be an option, if I so choose, to require any use of my debit card to be confirmed by I.D. if an in-person transaction or by one-time password if an online transaction. I believe we are close to being there, but not there quite yet. We are seeing much stronger adoption of multi-factor authentication solutions, but we still have a long way to go. I was curious as to whether anyone else's bank offered such a solution. Before it makes sense for banks to adopt this, there must be increased support for multi-factor authentication amongst online vendors.
The first bank to implement a one-time password or similar multi-factor authentication solution for online transactions could steal a lot of market share if they can encourage broader vendor adoption. On the other hand, they could lose share if they require this and can't get the requisite vendor support to make it convenient for end-users. If I'm a bank, I'm entering into a strategic partnership with a multi-authentication vendor to make this a reality. Of course, giving end-users the option
to require this is something that could be implemented today, a la gmail's optional multi-factor authentication feature.
There, I even made this into a business thread.
This post was edited on 3/7 at 11:26 am