FFIEC regulations are coming and will likely be hastened by a security breach or other negative event. Just give the customer what you want them to use is probably best. “Here, use this,” ensures the platform is secure and exactly the one the bank wants. Tom Flynn leads the team that is responsible for defining Gemalto’s regional marketing strategy and technical solutions for enterprise network and online commercial banking security. He has worked in both domestic and international programs for Hewlett Packard, Mars Electronics (division of M&M Mars), Gemplus and GemAlto.”]
Source: https://www.govinfosecurity.com/blogs/future-proof-your-authentication-p-824