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Zenith Bank was established in May 1990 and commenced banking operations in July of the same year. At inception, it had a capital base of $4 million. It began operations during a period of government liberalization of the banking sector when the central bank granted up to twenty banking licenses a year to investors.
MasterCard SecureCode uses OTAC to confirm a user's identity One time authorization code as used in Yammer's desktop client. A one-time password (OTP), also known as a one-time PIN, one-time passcode, one-time authorization code (OTAC) or dynamic password, is a password that is valid for only one login session or transaction, on a computer system or other digital device.
The bank creates a set of unique TANs for the user. [1] Typically, there are 50 TANs printed on a list, enough to last half a year for a normal user; each TAN being six or eight characters long. The user picks up the list from the nearest bank branch (presenting a passport, an ID card or similar document) or is sent the TAN list through mail.
A GoldKey security token connected to a laptop. A security token is a peripheral device used to gain access to an electronically restricted resource. The token is used in addition to, or in place of, a password. [1]
Zenith Bank [40] Ghana. Central bank. Bank of Ghana; Commercial banks. Absa Bank Ghana (formerly Barclays Bank of Ghana Limited) Access Bank plc ... Code of Conduct;
The token is a reference (i.e. identifier) that maps back to the sensitive data through a tokenization system. The mapping from original data to a token uses methods that render tokens infeasible to reverse in the absence of the tokenization system, for example using tokens created from random numbers. [3]
When software implementations of the same algorithm ("software tokens") appeared on the market, public code had been developed by the security community allowing a user to emulate RSA SecurID in software, but only if they have access to a current RSA SecurID code, and the original 64-bit RSA SecurID seed file introduced to the server. [3]
But more innovative mechanisms, including blinded token money, struggled to gain traction. David Chaum's DigiCash, opened in 1989, filed for bankruptcy protection in November 1998. [5] Two competitive rivals also failed to remain viable. First Virtual Holdings abandoned its business in August 1998. CyberCash ceased its "CyberCoin" in early 1999 ...