I would give blood to be able to use a one time pad for my online banking.
This is precisely how most online banking works here in Germany. When my TAN list (one-time pad) is finished the bank sends me a new set in the post. There is a time-limit as well: if the list isn't used in a while they send you new ones anyway (and the old ones are invalidated.)
Moreover, the system is really easy to use, nicely designed and quick.
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I would give blood to be able to use a one time pad for my online banking.
This is precisely how most online banking works here in Germany. When my TAN list (one-time pad) is finished the bank sends me a new set in the post. There is a time-limit as well: if the list isn't used in a while they send you new ones anyway (and the old ones are invalidated.)
Moreover, the system is really easy to use, nicely designed and quick.