Just set up several accounts with Yubikey. I am very surprised banks, credit agencies and PayPal are not yet utilizing this technology. They could be saving millions of dollars in fraud detection/prevention. I am glad PayPal is using the one time codes for added security but you have to admit it can be somewhat of a pain punching in a pin into the phone which I must keep in another room to maintain my data/hotspot connection. I hope PayPal jumps on board soon and makes Yubikey a much needed option.
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