I just wanna share my experience using CIMB Niaga's mPINs.
I dislike how CIMB Niaga using mPINs because the pins sent through
email sometimes never arrive as I was experiencing this morning. I
requested mPINs because I need to pay a bill. After waiting, I havent
got the PIN requested. FYI, the PIN's request is not free as every
request will deduct the credit you have in your mobile phone
subscription. It is just annoying. CIMB should change it to the better
system. It may follow Panin Bank, Commonwealth which use a kind of
token which is free. Or it may follow Danamon using SMS notification
with free charge and no need to make a request. When I do internet
banking, Danamon will prompt me with the one time password that will
be sent through my mobile phone I have registered.
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