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He meant over the phone, not on a phone.

Ex : I call my bank and I have to go through a menu leading me to the right agent. Eventually, it asks for my password over the phone that I need to type using the 10 numbers on a phone dial.

Good luck using your fingerprint there :)

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For that i have separate numeric only password in my bank which is different than my web login password. So bank is saving couple of bucks to reuse same weak password that can be stolen on web and then used by attacker to authenticate as me over the phone. What a crappy bank. I am just happy that bank that I use is having all set better.

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