M-banking, through its very nature, amplifies the issues of convenience and usability with regard to banking authentication
solutions. M-banking targets the ubiquitous convergence device; the modern mobile phone or PDA, and must therefore
comply with the mobile paradigm, that the mobile device is the only device required. An M-banking customer will expect any enhanced
security to be performed on or over the mobile device; they will not accept having to carry and use an additional hardware device
that has no other function. VALid satisfies the key criteria for an M-banking authentication solution;
effectiveness against fraud, simple to use and no additional devices required.

For further information, please download the white paper labelled "Mobile Banking: Presenting a
New Challenge in Fraud Prevention".