
This is Citibank’s login page.
For the sake of security, Citibank thought it was a better idea to click on a keypad rather than the good old style of typing in a password for authentication.
This seemed like a neat concept if I had Private Banking in mind (Banking in Citibank Kiosks or someplace like that) But I don’t think this is really secure considering I’m at open cyber cafe and clicking on this keypad (giving anyone crossing my desk to take a peek at my monitor and guess my password).
Wasn’t typing the password using a keyboard a better idea?? Considering my hands is covering the keyboard reducing the chances for anyone to guess my password.
Citibank has a feature “View and Pay”. This feature helps make paying monthly utility bills a lot easier. The bill account details need to be entered once and then a message and email is sent to the user every month for a payment confirmation.
It’s pretty convenient, but there is no way of cancelling a payment.
For example, I have my telecom provider registered with Citibank. I pay the bill through the website every time. But, this one time, I paid the bill when I was at the Telecom store and not through the website. After the payment was done, it did not reflect on my website. It still asked me to pay my bill I had already paid for. If a user makes a payment through the website once, they assume that he is going to do the same every time, not handling multiple payment methods.
Do you guys have any comments???
(Written after discussion and inputs from Nikhil Chandran)