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https://www.wsj.com/articles/how-bank-apps-know-youre-you-f45df28f

How Bank Apps Know You’re You

A lot goes on behind the scenes to keep you safe from hackers

DAN PAGE

By Dalvin Brown

April 16, 2023 10:00 am ET

If we’ve learned one thing from years of hacks and phishing, it’s this: A username and a password alone aren’t strong enough to protect our most precious accounts.

So why don’t our bank apps require us to pile on extra security settings?