Your Mother’s Maiden Name Is Not a Secret
nytimes.com
Your Mother’s Maiden Name Is Not a Secret
1–10 of 274 posts
Re: Your Mother’s Maiden Name Is Not a Secret
#2Haha, that's why I have been using a made up "mother's maiden" name for the past 5 years!
Re: Your Mother’s Maiden Name Is Not a Secret
#3Every time I'm confronted with these types of questions I just roll my eyes and add a 'Mothers maiden name' text entry to my password manager with a 16 digit random string.
Re: Your Mother’s Maiden Name Is Not a Secret
#4Does anyone know the cause of the large and long standing difference in banking in US vs Europe?
In europe:
-for 15 or so years already, web banking has been with 2nd factor authentication (since its inception I assume). In previous decades we would get devices where you need to type numbers from its lcd screen into the webpage login. Today mobile auth apps are taking over.
-I have never seen a bank have security questions like "mothers maiden name" as backup. No backup questions at all. I guess you go to the bank's office if you forget it?
-"wiring" money between european bank accounts is free (and not called wiring, not sure what in english though), for as long as I remember. It's not some special type of transaction, it's the main way to pay bills, get salary, pay each other, ...
-paper cheques don't exist since over a decade
When I hear how US banking is, it somehow evokes images of an old stuffy 70's office to my mind... lots of paper, maybe a slow cobol mainframe somewhere, which can only support 8 character passwords in all caps or something like that...
Re: Your Mother’s Maiden Name Is Not a Secret
#5Does anyone know the cause of the large and long standing difference in banking in US vs Europe? In europe: -for 15 or so years already, web banking has been with 2nd factor authentication (since its inception I assume). In previous decades we would get devices where you need to type numbers from its lcd screen into the webpage login. Today mobile auth apps are taking over. -I have never seen a bank have security que…
> between european bank accounts is free
Between European bank accounts in the same country. Also, not every European country, unfortunately.
> paper cheques don't exist since over a decade
They still do. They're very rarely used, but they can be useful for cases where you want to buy something like a car without changing the card limits.
Re: Your Mother’s Maiden Name Is Not a Secret
#6Does anyone know the cause of the large and long standing difference in banking in US vs Europe? In europe: -for 15 or so years already, web banking has been with 2nd factor authentication (since its inception I assume). In previous decades we would get devices where you need to type numbers from its lcd screen into the webpage login. Today mobile auth apps are taking over. -I have never seen a bank have security que…
US banks really hate being required to spend money on things, so they lobby the government against any stringent regulation.
Re: Your Mother’s Maiden Name Is Not a Secret
#7Does anyone know the cause of the large and long standing difference in banking in US vs Europe? In europe: -for 15 or so years already, web banking has been with 2nd factor authentication (since its inception I assume). In previous decades we would get devices where you need to type numbers from its lcd screen into the webpage login. Today mobile auth apps are taking over. -I have never seen a bank have security que…
> maybe a slow cobol mainframe somewhere
Inter-bank money transfers in US are handled by a system that needs multiple "business days" for a transaction to be finalised so you're on the money here: https://engineering.gusto.com/how-ach-works-a-developer-pers...
Re: Your Mother’s Maiden Name Is Not a Secret
#8Does anyone know the cause of the large and long standing difference in banking in US vs Europe? In europe: -for 15 or so years already, web banking has been with 2nd factor authentication (since its inception I assume). In previous decades we would get devices where you need to type numbers from its lcd screen into the webpage login. Today mobile auth apps are taking over. -I have never seen a bank have security que…
My Japanese bank (UFJ, and Shinsei... I think, haven't touched it in forever) did this long before the USA as well.
Re: Your Mother’s Maiden Name Is Not a Secret
#9My bank (Fineco) requires passwords to be 8 characters.
Yup, I don't mean minimum or maximum, but exactly 8 characters.
That's got to make brute-forcing about 1,000,000 times easier, and I cannot think of a single good reason to impose this.
I bet huge numbers are "12345678" and "password".
Re: Your Mother’s Maiden Name Is Not a Secret
#10Does anyone know the cause of the large and long standing difference in banking in US vs Europe? In europe: -for 15 or so years already, web banking has been with 2nd factor authentication (since its inception I assume). In previous decades we would get devices where you need to type numbers from its lcd screen into the webpage login. Today mobile auth apps are taking over. -I have never seen a bank have security que…
> between european bank accounts is free Between European bank accounts in the same country. Also, not every European country, unfortunately. > paper cheques don't exist since over a decade They still do. They're very rarely used, but they can be useful for cases where you want to buy something like a car without changing the card limits.
> Between European bank accounts in the same country. Also, not every European country, unfortunately.
As far as I know, it's free between all Eurozone countries. At least I regularly do transactions between countries, and I've never heard it costing a cent.