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I wonder if any scammers would spend the resources banking on the 1/1000 chance of guessing the three numbers correctly.

If you call a thousand people, odds are that you'll be able to convince one of them you're from the bank. At that point, what are the odds of engineering them into giving you money?

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If the number of digits is the only thing insecure about this system, it sounds pretty easy to harden by adding a few extra digits (or letters).

Sure, but that means manufacturing new dongles and mailing them out to everyone. It would be a significant up-front cost.

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