So my bank lets me use a hard token for MFA, but it also has a button that says “I dont want to use this” which just sends an SMS code anyway.

My questions:

– Why would they let you bypass the hard token with SMS once set up?

– Why can’t you disable that?

– How is the hard token any more secure if someone could just request an SMS code even once it’s set up?

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1 Comment

  • BigCityRedNeck

    November 4, 2021

    >- Why would they let you bypass the hard token with SMS once set up?

    This was probably a decision based on perceived problems with UX

    >Why can’t you disable that?

    It might not have come up during meetings or they might have decided to scrap it to keep people from locking themselves out of their account.

    >How is the hard token any more secure if someone could just request an SMS code even once it’s set up?

    It’s not

    Try to remember that something like a banking app is going to be designed for the lowest common denominator of the user base. As a more tech savvy user you are going to often find this annoying (at least I do)

    Reply

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