Good discussion on OTP/2FA for online banking

I'm having a good conversation about OTP/2FA for online banking in the cisspforum mail list. Tim Bass and Martin Wehlou incredibly good professionals and are adding valuable points to the subject.Martin posted (01/2007) in his blog a very good explanation about the problem that the banks are trying to solve with OTP solutions. He also suggests the use of signed e-mail messages to confirm transactions. I really apreciate the idea, even because e-mail clients like Outlook make digital certificates usage quite simple to the regular user.I'm adding their blogs in my blogroll.