zulu_dude - 1:26 pm on Jan 15, 2007 (gmt 0)

Banks in South Africa have been using this system for a few years to combat online banking fraud. My own internet banking doesn't use it, but I believe it works quite well.

As someone mentioned previously, the only problem with all online financial institutions going this route is that eventually we'd have as many keyfobs as we have keys! Although I suppose we wouldn't really need to carry them around all the time.