Ho lisebelisoa tsa UK tsa lichelete, lipontšo li matlafatsa ts'ireletso ea transaction le boiphihlelo ba mosebelisi ka ho lumella tlhahiso ea OTP, netefatso ea transaction (mohlala, lintlha tsa palo/mopuoa), le taolo ea setifikeiti sa dijithale ho thibela litlhaselo tsa MITM le ho senya. Ba fana ka tataiso ea ts'ebetso (mohlala, lintlha tsa PIN) le tšehetso ea MFA (mohlala, menoana + OTP). Mekhoa ea kamoso e kenyelletsa litšebelisano tse bohlale (li-touchscreens, biometrics, QR code banking) ha ho ntse ho leka-lekanya ts'ireletso le litšenyehelo.