Hauv cov khoom siv nyiaj txiag hauv UK, cov zaub feem ntau txhim kho kev ruaj ntseg ntawm kev lag luam thiab kev paub ntawm tus neeg siv los ntawm kev ua kom muaj OTP, kev txheeb xyuas kev lag luam (piv txwv li, cov ntaub ntawv ntawm tus nqi/tus neeg tau txais nyiaj), thiab kev tswj hwm daim ntawv pov thawj digital kom tiv thaiv kev tawm tsam thiab kev cuam tshuam ntawm MITM. Lawv muab cov lus qhia ua haujlwm (piv txwv li, cov lus qhia PIN) thiab txhawb nqa MFA (piv txwv li, ntiv tes + OTP). Cov qauv yav tom ntej suav nrog kev sib cuam tshuam ntse (kov cov ntxaij vab tshaus, biometrics, QR code banking) thaum sib npaug kev ruaj ntseg thiab tus nqi.