I'm simply concerned that the verifying token, email,  whatever is not received in time. Example= ATM transaction, long line behind you. SMS takes forever. Or cash withdrawal aboard, no token because no connection to that country's email system.

An ATM card that asks for a second factor? Never heard of that.

Getting SMS notifications of ATM withdrawals - heard of that.

 

 

Only practical use that I have for two step/factor athorization is internet banking.

Receiving SMS.

More than 2 seconds makes me nervous

Happens rarely.

 

KBank, SMS alert (not quite the topic here):

withdrawing money at ATM I sometimes receive SMS before the money drawer opens

 

Internet banking login alert via email (Bangkok Bank, SCB, KBank):

the website has just opened and hear the mail beep.

 

Never a problem at all.

 

1 hour ago, THAIPHUKET said:

Example= ATM transaction, long line behind you. SMS takes forever.

 

This really needs explanation.

I am also not aware which bank offers a two factor auth. for ATM. Only alerts as explained.

Ever use the same Bankcard also abroad and wait for sms?

 

One suspense less I could live without= waiting for sms

Chicog  I love your play on words, rarely seen here. But rest assured ; we'll soon have talking cards and talking heads bountiful.

With online banking, I get a code displayed on my Digipass instantaneously. 

For G-mail, the verification code is received on my phone in a couple of seconds, no matter where I am in the world.

There is also an option to pre-order codes for use when you don't have a local mobile number.

The practical use being someone can not access your e-mail even if they have your regular password.

They need the additional code or they are locked out. 

Kerry, that is interesting! Your experiences with Gmail in particular.

Had been wondering about SMS bottlenecks, not that Gmail responds promptly

You can "two factor protect" most of the Cloud email providers (and you definitely should if you are a Yahoo user!).

Your Banks may offer two-factor as well, either via an SMS/EMail PIN or a crypto device like kkerry's.

 

There are even Payment cards that use that technology to generate a constantly changing CVV for online shopping.

 

But I've still never heard of an ATM that asks you for anything other than a PIN (Cardless ATM transactions excepted of course, but my banks don't use that yet).