>>Every time I use a certain login for a particular financial service, even on the same PC and browser it sends a code to my phone to be entered
Different when money is involved directly. Does it do that if you use the phone app, assuming there is one? I'm making a lot of largish payments online at the moment and I usually use my phone. The bank clearly knows the phone is the one registered and doesn't send me codes.
Not quite the same thing but I was using my PC yesterday to make a £2,000 payment to Germany using my Halifax credit card. It tripped the security and I had 3 SMS's. The first told me they would send me an SMS (which is a bit weird when you think about it), the second asked if if was really me who had tried to make the payment, to which I replied YES. The third told me to wait 10 minutes and do it again. I find this sort of thing quite reassuring.
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Risk... new
Risk... new