NatWest have recently introduced a one-time pad device on their on-line banking system, which I’ve just got my hands on. As someone who travels a lot, it’s going to be an inconvenience to carry around, so I phoned up NatWest to see if I could have it disabled. The chap I spoke to implied it was being introduced by all UK banks in one form or another and wasn’t going to be optional. Does anyone know if this is true? I wonder if they have really thought through the implications for their customers. Online banking is often of the most use when you are away from home, and carrying a physical device seems like a very stone-age method of providing security. Why can’t I choose not to have it?