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Re:The definitive guide to forms based website authentication by bigiain on Thursday November 08, 2012 @06:28PM (#4760468)
Here's another article probably of interest:

http://www.itnews.com.au/News/322194,telcos-declare-sms-unsa...

"The lobby group for Australian telcos has declared that SMS technology should no longer be considered a safe means of verifying the identity of an individual during a banking transaction."

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