8:00 AM - Put on my iPod and go about my reading work
9:00 AM - Get my clothes ironed and proceed to have a shower
10:00 AM - Get out the door and proceed to work
11:00 AM - Fill out an online application for the reset of my password for On-line banking with ICICI and this is where the chain of chronologically neat events stops.
The question to be asked while reading this blog post is " What is something that no one else knows about me that only I could know?"
I asked myself this question as I was filling out a form to get my internet banking password reset today. There were a series of questions that anyone could obtain with a little casual questioning and I wonder why banks have really not caught onto this. Let's examine some of the ridiculous questions we are asked :
1. Whats your mother's maiden name? Gee I don't know but maybe my dad, brother, sister, grandmother, uncle, aunt, granddad, all the friends shes known over the years and someone know wants to reset my password for me could answer.
2. Whats your Date of Birth? With all the orkutting, myspacing, facebooking and gosh even googling we do I, our date of birth is the most insecure question to put on this form.
3. Account Number? Slightly harder to obtain but not the hardest still.
4. Email address? Who writes letters anymore. Need I say more?
5. Residential Address? All it takes is a day out where I live and I am sure you can get it from anyone on the road for 10 Rs or even for free (Yes, being polite gets you a lot of information).
6. Mobile Number? God, this one is so trivial that its inclusion in a safe form is pointless
So, the final verdict is that banks should allow you to just devise questions yourself and that should be it. Imagine if I had a question like "What did I have to close the night for my 19th birthday?". Now thats security and doesn't require me to wait a whole fucking week for my PIN to be reset. Till the next time ... Hello.
Music Listened to while writing this blog - Piece of My Heart - Faith Hill (Cover)
Phrase of the moment - More Than Meets The Eye
Movie on the Horizon - Transformers (The Movie)
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