Two connected suggestions:

1) Login verification via SMS to a mobile phone.

As used by Google and recently announced by Twitter:
https://blog.twitter.com/2013/getting-started-login-verification

Though I am not sure what the financial implications of this would be.

2) Social login - encouraging users to login with their Facebook,
Twitter, Gmail accounts which have already had some sort of Login
Verification or are connected to a "social graph" that  can be
checked.

Paul

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