Mildly Infuriating
Home to all things "Mildly Infuriating" Not infuriating, not enraging. Mildly Infuriating. All posts should reflect that.
I want my day mildly ruined, not completely ruined. Please remember to refrain from reposting old content. If you post a post from reddit it is good practice to include a link and credit the OP. I'm not about stealing content!
It's just good to get something in this website for casual viewing whilst refreshing original content is added overtime.
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It's interesting that you're getting downvoted. There's plenty of evidence that things are getting worse in this field, not the least of it caused by ignorant policymakers who are hellbent on protecting their arse by being seen to be doing something, anything.
Then there's the ambulance chasers who amplify the fear factor up to eleven just so they can justify their retainers.
Finally, there's Microsoft who in my opinion shows the whole world, time and again, how not to do security whilst all the while preaching to its victims, uh, customers, what "best practice" looks like, whilst chanting"Do as I say, not as I do".
Security is about education above all else. The vast majority of breaches start by social engineering, getting a target to inadvertently install something or reveal something that gives an attacker a toehold into a system. It might be an unexpected PDF, a clicked link, a weak password, or personal information retrieved from someone who has no business storing your passport and driving licence on a system.
Are you advocating for less security, and identity checks when dealing with your bank?
A bank should not need to store your passport and driving licence after you've opened the account.
It should never have to phone you to verify your identity.
It should not use a random mobile phone number to send an SMS request to confirm a credit card transaction.
Each of those things are security theatre and actually make the whole system less secure.
As for 2FA, it should not be SMS based and it should be when you login, not when you transfer funds between your own accounts as the OP mentioned.