All users are required to have unique usernames and passwords that they must keep secret. In addition users will have the option or in some cases be required to be issued with a USB token called a personal security key (PSK).
This token is based on a robust Public Key Infrastructure (PKI) and the associated PKI certificate is issued by an independent Certificate Authority (CA).
The token contains private data stored on a security chip that is unique to the user.
The PSK is designed to prevent copying of sensitive data from the chip and follows international standards.
Once implemented, you are required to use the token every time you login to transact and again when authorising a transaction or instruction. To use the PSK you will need to enter a PIN, this will ensure no-one can access your Online Banking Enterprise™ profile without the PSK and PIN.