There’s a saying that’s heard often in the security trade: “You build a wall – the fraudsters build a higher ladder” Cybercrooks are extremely smart. They take a creative and holistic approach to the challenge of robbing online banks. One-time passwords are among the higher security walls many U.S. banking institutions have built to keep fraudsters out. In order for us to turn the tables in our favor, we will have to think more like they think they think.”]
Source: https://www.cuinfosecurity.com/blogs/fraud-fighting-what-were-doing-wrong-p-1504