it's just wrong

I often work/access the internet and internet banking from not only home, but other places, too. it would be a major pain in the ass to have to bother with this thing. There are places where banks send you an SMS when u want to enter your account, when you initiate a payment, and when a payment is actually made. be it direct debit, standing order, whatever attended or unattended transfer. when your balance changes above a pre-set limit, there's an SMS to you. I consider that a helluvalot more consumer friendly that bulky devices that may or may not work in the first place.