A few months ago, the Ulster Bank mailed out card readers to users of their Anytime online banking service.
Until then, all you needed to access your account online was the account number, a 4-digit PIN and a password - three things I could carry around in my head.
But then they issued a card reader, that you slot your cheque guarantee/debit card into that can generate a one-time code once you've entered your card's PIN number. That's two physical things I now need to carry around if I want to access online banking when I'm away from home.
Except that having posted out the dinky blue card readers - at least three months ago - the Ulster Bank have yet to turn the service on! So the old account/PIN/password security must be good enough after all. Wonder how much the exercise cost them? And why the delay?