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Please can someone explain how it is secure to use something that you leave on everything you touch (fingerprint) as a method of ID? I've always puzzled about that one.

As for banking security you need a few things:

Single sign on to ALL systems, based on ID, Password/PIN and some sort of token (RSA tag/ID Card etc) This way, you can't be logged on to your desktop and signing in and out of apps on mini/mainframe/unix with other's IDs.

Effective (human based) approvals of transactions.

A massive datawarehouse that has everything in it, crunching away to look for 'risks'. (Most, if not all, banks have something like this already.)

Oh yeah, and don't employ morons.