Earlier quoted context omitted.
My main bank uses username + password + (random subset of ‘memorable word but actually unencrypted password’ driven by select boxes), then 2FA on top, and it literally feels like they just slapped a bunch of things together to add extra barriers to auth in sequence. This is the UK. Back in Latvia I would just slide my ID card into a USB reader and cryptographically sign the session with a passcode. Same as chip & pin…
I’m so envious of the Baltic’s use of technology at the institutional level. It seems literally infeasible for the United States to have state-issued PKI. It’s a meta-partisan issue: no side trusts the other to manage crypto or computer systems. So for example instead of a public many-to-many digital publishing platform we are stuck with the whims of grown men who want to fist fight each other in the Colosseum and al…
Not that the current climate helps. The REAL ID Act of 2005 has been delayed so many times, now to 2025. Maybe we should just repeal it instead.