Best authentication method is mobile..and Swedish

I’ve tried a lot of different authentication methods the last 2 years, like

  • the special bank hardware tokens (with or without the need to also insert your card with chip)
  • OTP’s via scratch card, special chart schemes, SMS, etc.
  • digital certificates (bankID)
  • ID/password (yes, banks in Sweden still use this..unbelievable!)
  • mobile (one time ticket, mobile bankID)

The winner by far is authentication using the mobile. I use it for login to my banks internet bank and I use the mobile bankID for doing general services like tax declaration. It’s easy to use, fast and very convenient and I don’t need to carry any extra hardware. And to’s very secure, even more secure than the special bank tokens.

Marginalen_home screen

Example. Login screen for Marginalen Bank mobile authentication app.

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