page_title: Reliance authentication
section_title: Disadvantages
hierarchical_section_title: Reliance authentication / Disadvantages
context_page_description: Reliance authentication is a part of the trust-based identity attribution process whereby a second entity relies upon the authentication processes put in place by a first entity. The second entity creates a further element that is unique and specific to its purpose, that can only be retrieved or accessed by the authentication processes of the first entity having first being met.
  Reliance authentication can be achieved by one or more tokens with random characteristics being transmitted to a secure area controlled by the first entity, where such secure area is only accessible by the person authorised to use the account. The secure area may be an online banking portal, telephone banking system, or mobile banking application.
  The token is often in the form of a single or plural of debit or credits to a financial account, where the numerical values of the debit or credits form the token, whose numeric value is to be confirmed by the account holder.
  The token are retrieved by the cardholder accessing a secure area from the first entity's secure area, which is protected and accessible only by satisfying the first entity's authentication means.
context_section_description: Disadvantages of reliance authentication methods are:
  the reliance on low-cost authentication methods like computer chips, incite hackers to steal information. 
  the absence of effective tools to monitor fraud, particularly since the transition from magnetic stripes to computer chips. 
  extra time for admins to upload additional software and users to input their information.
  its inability to support mobile devices.
  poor password practices allow frauds to steal information from multiple platforms.
caption: The use of low cost chips as a reliance authentication device has led to easy targets for fraud and theft
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