There was a time when I was content to let my bank authenticate me over the phone by asking for some personal identifiers (SSN/DOB) that are broadly for sale in the cybercrime underground. At some point, however, I decided this wasn’t acceptable for institutions that held significant chunks of...

There was a time when I was content to let my bank authenticate me over the phone by asking for some personal identifiers (SSN/DOB) that are broadly for sale in the cybercrime underground. At some point, however, I decided this wasn’t acceptable for institutions that held significant chunks of...