All Banks should be better protected against fraud and identity theft. Financial institutions brokerages, banks, credit unions must add an extra layer of security for high-risk transactions, such as account access and money transfers. A simple name and password combination will no longer be sufficient for most types of transactions. The rules are leading to a scramble by banks to purchase security technology. It has also resulted in a surge of sales in identity and access management compliance products. IDC estimates the market shot up 78% in 2006, worldwide, with about half of that growth in the U.S. market. The FFIEC recommended that two-factor authentication be used for all online banking, in your case, for making payments.There are three authentication factors in cash advance loans. something you know, something you have and something you are. A user ID and password are examples of something you know. A one-time password (OTP) token or smart card is an example of something you have. Your fingerprint, voice or facial pattern is something you are. Combining two of these methods is called two-factor authentication.