I can’t keep up with Saga security

I enclose a copy of a document I received recently from Saga about my Saga Platinum Credit Card. It regards changes to “Verified by Visa” for online purchases using the card.

I see trouble ahead for a significant number of technical dinosaurs like myself who are not up to speed with all technology.

MF, Pembs

Changes may be afoot across the industry for a two-step authentication process for Verified by Visa, rather than just one static password.

Saga has started off early because its card is with Allied Irish Bank in Dublin and Ireland has signed up to secure payment guidelines, which the bank says means it has to do this now. Saga acknowledges that its UK cards might not need to be included but says that the bank has taken a blanket approach.

It stresses that the more robust the process, the better the chances of preventing fraud.

You were being asked to register a mobile phone number with Verified by Visa, to which it could send a text message with a temporary password, known as a one-time password, or “OTP”.