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I hold a Finnish identity card with strong authentication certificate (FINeID). The FINeID website states, this card could also be used for online banking, so I contacted my bank Nordea and asked how to do that. The first answer was a mile long copy-paste text about the FINeID card which was no clear answer to my question, so I asked again and received the information that Nordea Finland offers any kind of card authentication only for business customers. After I pointed out that the current code system is obsolete and insecure and that I used HBCI cards for online banking in Germany already 10 years before I moved to Finland, the customer service replied that Nordea's netbank code system was oldfashioned but quite secure.

Well, let's have a look at how secure the system really is...

Already on December 16th, 2012, I predicted that nothing good can come from Microsoft's taking over Skype. Now my prediction came true. German IT News Agency Heise Online has proven that Microsoft doesn't only record all Skype chats. They actively use the data and seem especially interested in confidential information like encrypted sites, cloud storage and access codes.

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