Na ngwaọrụ UK ego, ngosipụta na-ebuli nchekwa azụmahịa yana ahụmịhe onye ọrụ site n'ịkwalite ọgbọ OTP, nkwenye azụmahịa (dịka ọmụmaatụ, nkọwa ego/payee), yana njikwa asambodo dijitalụ iji gbochie mwakpo MITM na imebi. Ha na-enye ntụzịaka arụ ọrụ (dịka ọmụmaatụ, PIN kpaliri) yana kwado MFA (dịka, akara mkpisiaka+OTP). Ọdịnihu na-eme n'ọdịnihu gụnyere mmekọrịta smart (ihuenyo mmetụ, biometrics, ụlọ akụ koodu QR) ka ị na-edozi nchekwa na ọnụ ahịa.