M2lisäkortit

M2lisäkortit are supplementary cards used in conjunction with primary bank cards in Finland, primarily designed to enhance the security and authorization process of online banking and electronic transactions. These cards serve as an additional layer of verification, often functioning as a physical token that generates one-time passcodes or authorization codes required for secure login and transaction confirmation.

The concept of M2lisäkortit became more prevalent with the increased adoption of electronic banking, especially in efforts to comply with strict security standards such as the Strong Customer Authentication (SCA) under the European Union's Payment Services Directive (PSD2). They are issued by banks or authorized financial institutions and are associated with the customer's main bank account.

Typically, M2lisäkortit are small, portable devices or cards that can generate secure PINs or transaction codes. Users may be required to insert the card into a reader or use a card reader device connected to their computer or smartphone to generate a verification code. This process ensures that even if a user's primary login credentials are compromised, unauthorized access can be prevented through the second layer of safety provided by the supplementary card.

M2lisäkortit are particularly useful for high-value transactions, account management, or situations where enhanced security is necessary. They complement other authentication methods such as SMS-based codes or biometric verification, offering a hardware-based solution that is widely trusted for its robustness in protecting consumer and business online banking activities.