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Earlier this week, BDO implemented a two-factor authentication with their online banking service. Aside from the personal password, BDO is also sending a one-time password (OTP) which customers use to be able to login to the online banking service.
This implementation is very similar to what GMail is offering with their 2-step verification process.
BDO has only introduced it this week and all customers have the option to enable this in their account profile. This means that aside from your usual personal password, another password is sent to you within minutes of the initial login.
The password automatically expires after 10 minutes so you will need to re-authenticate after that period. This security measure prevents incidents of password hacking or phishing and provides another layer or protection so we welcome this step from BDO.
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Freeje says:
This means you can’t use this service while you’re out of the country unless you got roaming.
Abe Olandres says:
You can disable it before you leave the country.
chan says:
You HAVE THE OPTION. =)
myk says:
Tried with my local number here in KSA and I got the one time password..
Techjunkeez says:
Found this a bit annoying but useful.
thecorrescode says:
Mas oks na yan kaysa sa bulok na online system ng Metrobank.
Benchmark says:
It was already implemented in Citibank online dati pa. And for me, medyo kampante na din ako kasi I know nobody is checking on my citibank…yun lang kung may clone yung sim ko.
TxtDelayed says:
Text messages were delayed (I’m Smart postpaid subscriber). Expired na yung password bago mo pa magamit.
Good thing there is Challenge Question option.
TxtDelayed says:
Text messages were delayed (I’m a Smart postpaid subscriber). Expired na yung password bago mo pa magamit.
Good thing there is Challenge Question option.
BEEDEEOH says:
..though twice na nangyari sa akin delayed yung SMS nila, yung kagabi kong open ngaung umaga ko lang narcv yung password. pero meron hyperlink sa baba yung challenge question, yan na lang ginagamit ko mas mabilis pa :)
AA says:
Malamang kasalanan na ng networks yung delayed SMS nyan. Buti may challenge question
she_ina83 says:
Sir Abe, baka dapat i-blur mo ung mobile number mo sa pic.. mahirap nang iexpose yan sa web, baka kung saan pa gamitin ng kung sinu-sino
Abe Olandres says:
it’s ok, just a fake number.