oops, sorry, forgot to include this one

Hong Kong banks to introduce two-factor authentication for online transactions
http://www.finextra.com/fullstory.asp?id=13744

Banks in Hong Kong are set to introduce two-factor authentication services to the country's 2.7 million Internet banking customers next month.

... snip ...

and lots of collected posts on 3-factor authentication paradigm
http://www.garlic.com/~lynn/subpubkey.html#3factor

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