Today, again, I had to fill out a bunch of multi-factor authentication forms. In case you haven't had the pleasure, it's where your bank decides to rip all the speedy benefits of online banking out of your grasp because so many people are too stupid to avoid e-mail scams.
The enrollment consists of selecting a picture you will see when you begin your journey to log into your banking website. Then you have to choose which of your high school friends was the biggest saint, and also you will be asked how many toes on your right foot have hair on the third knuckle.
You know, it shouldn't take me ten minutes to log into any site. Not to mention...my online bill payment service gets broken every time some jackass devises a new security system. Guess what? You can't do anything about stupid. Stupid people will always find a way to screw themselves, no matter how much you try helping them. It's a sad fact of life.
The most annoying thing is that there are obviously a lot of flunky network administrators out there. Hey, guys, maybe you should get off your asses, and check out CardSpace or OpenID. At least give your site visitors the choice to use sensible authentication-don't just go for the worst idea you've got because it's the easiest!
What will be the next fad in online banking security? Driving to the bank to retrieve a four page one use password that only works for ten minutes after it gets printed? I'll bet that a bank somewhere is working on just such a secure system.