CNET reports: "A new financial services requirement calling for two-factor authentication should make online banking secure, but one researcher says it's actually making things worse. At this year's DefCon gathering in Las Vegas, security researcher Brendan O'Connor outlined several scenarios in which online banking has gotten worse, rather than better. Under Federal Financial Institutions Examination Council (FFIEC) guidelines that went into effect at the end of last year, banks are required to provide some form of multifactor authentication of their customers."
The article talks about the pro and cons of each type of multi-factor technology. Although the article really seems to focuses on the cons of the technologies.