[ArielCasper]

If you want to withdraw money from any Malaysia bank you need your original NRIC , signature and your fingerprint to match bank record
You just need to present  your NRIC and signature when you withdraw money from any Singapore bank.
Which method is safer?
Of course install another device involved cost and maintenance fees.

Ever worked in vital installation, there is one red phone solely for emergency use.
No dial number is required.
The phone is connected to xxx command center. There is SOP and penalty imposed for any breach.

Scenario:
Victim calls xxx center (Can be other authorised agent)
Xxx centre directs the message to bank's red phone 
No more press 1 for English and press 2 for xxxx all our operators are  busy please hold xxxxxx

No value added for kpkb and pointing fingers.
Find solutions.

Our job here is to kpkb..

It is the bank's job to find the solutions.