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Crazy idea. 2 factor authentication for the elderly where the second factor is, where applicable, a younger family member. It's socially irresponsible to allow the tech-illiterate to move their live savings around on the internet by themselves.

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Much easier is to have banks to call the client and verify an abnormally large transaction by phone.

No it isn’t, a “bank” calling to verify a transaction is a major vector for these sort of attacks.

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