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There is no way that most people would remember the pin, so employees would need some way to bypass. And voila, back to where we started.


Ppl remember pins for many things E.g. Atm. The additional protection is better than not having it.


They remember because they enter the pin on a regular basis, and probably share it among all their other bank cards so they're using at least monthly. A pin that they set years ago and never used has zero chance of being remembered.


Even worse: If the PIN is user-selectable and four digits long, guess what most people will most likely pick?




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