To prevent password breaches and guessing attacks, banks increasingly turn to two-factor authentication (2FA), requiring users to present at least one more factor, such as a one-time password generated by a hardware token or received via SMS, besides a password. We can expect some solutions -- especially those adding a token -- to create extra work for users, but little research has investigated usability, user acceptance, and perceived security of deployed 2FA. This paper presents an in-depth study of 2FA usability with 21 UK online banking customers, 16 of whom had accounts with more than one bank. We collected a rich set of qualitative and quantitative data through two rounds of semi-structured interviews, and an authentication diary over an average of 11 days. Our participants reported a wide range of usability issues, especially with the use of hardware tokens, showing that the mental and physical workload involved shapes how they use online banking. Key targets for improvements are (i) the reduction in the number of authentication steps, and (ii) removing features that do not add any security but negatively affect the user experience.
 While past work has examined password usage on a specific computer, web site, or organization, there is little work examining overall password usage in daily life. Through a diary study, we examine all usage of passwords, and offer some new findings based on quantitative analyses regarding how often people log in, where they log in, and how frequently people use foreign computers. Our analysis also confirms or updates existing statistics about password usage patterns. We also discuss some implications for design as well as security education. HCI research published 10 years ago pointed out that many users cannot cope with the number and complexity of passwords, and resort to insecure workarounds as a consequence. We present a study which re-examined password policies and password practice in the workplace today. 32 staff members in two organisations kept a password diary for 1 week, which produced a sample of 196 passwords. The diary was followed by an interview which covered details of each password, in its context of use. We find that users are in general concerned to maintain security, but that existing security policies are too inflexible to match their capabilities, and the tasks and contexts in which they operate. As a result, these password policies can place demands on users which impact negatively on their productivity and, ultimately, that of the organisation. We conclude that, rather than focussing password policies on maximizing password strength and enforcing frequency alone, policies should be designed using HCI principles to help the user to set an appropriately strong password in a specific context of use.