Long overdue technology being introduced.  If I had a pound for the number of times I've had to abandon a call to my bank because I didn't get the password right - or worse still couldn't remember the 'memorable date'!

There's also a noticeable difference in security services from different banks.  On my NatWest personal account I can log in to their banking app with just a few numbers, whilst I can't actually log in to our HSBC business account app unless I have the code generator gadget with me.

Great that banks are getting their act together on this, but it would be nice to see some standardisation in approach too.