lucy24 - 4:23 am on May 24, 2013 (gmt 0)
In my neck of the woods, "multi-factor" technically means it goes both ways. You do stuff to convince them that you're you-- but they also have to do something to convince you that they're really your bank and not some passing hacker.
If it's hardware-dependent, then it's beyond authentication and into the bland assumption that every individual human has their own dedicated internet-access device, shared with nobody else. Which, come to think of it, is the advertisers' target audience anyway.