Kumadivayisi ezezimali ase-UK, izibonisi zithuthukisa kakhulu ukuphepha kokuthengiselana kanye nolwazi lomsebenzisi ngokunika amandla ukukhiqizwa kwe-OTP, ukuqinisekiswa kokuthengiselana (isb., imininingwane yenani/yomuntu okhokhelwayo), kanye nokuphathwa kwesitifiketi sedijithali ukuvimbela ukuhlaselwa kwe-MITM kanye nokuphazanyiswa. Zinikeza isiqondiso sokusebenza (isb., izixwayiso ze-PIN) futhi zisekela i-MFA (isb., izigxivizo zeminwe + i-OTP). Amathrendi esikhathi esizayo afaka phakathi ukusebenzisana okuhlakaniphile (izikrini zokuthinta, i-biometrics, i-QR code banking) ngenkathi kulinganiswa ukuphepha kanye nezindleko.