Cybercroks are extremely smart. They take a creative and holistic approach to the challenge of robbing online banks. They understand that Internet banking is made up of computer systems and people, so they build higher ladders that exploit both – computer people and computer people. One-time passwords are among the higher security walls many U.S. banking institutions have built to keep fraudsters out. Technology is only part of the problem. The other part is psychological, which is why most phishing and Trojan attacks have a social engineering component.”]
Source: https://www.bankinfosecurity.com/blogs/fighting-fraud-higher-security-walls-p-1504