[WhatDoYouThink!]

All this is happening because banks phase out hardware tokens to save money.

Now Singaporeans suffer from endless scams.

Those in IT know that operating systems and apps are never safe. You need a separate token to protect the customer.

Many here would like to blame customers being ignorant and not cyber trained.

But shouldn't securty mechanism the into account the customers' education background etc.

Physical tokens are not safe either. If your bank app is infected, after the token is used to approve a transaction, the malware could continue to instruct more transactions without showing them on the screen and so you are not aware of them