Mu zipangizo zachuma ku UK, zowonetsera zimathandizira kwambiri chitetezo cha malonda ndi zomwe ogwiritsa ntchito amagwiritsa ntchito polola kupanga OTP, kutsimikizira malonda (monga kuchuluka kwa ndalama/olipira), ndi kasamalidwe ka satifiketi ya digito kuti apewe kuukira ndi kusokoneza kwa MITM. Amapereka malangizo ogwirira ntchito (monga, PIN prompts) ndikuthandizira MFA (monga, zala + OTP). Zochitika zamtsogolo zimaphatikizapo kuyanjana mwanzeru (zojambula, biometrics, QR code banking) pomwe akulinganiza chitetezo ndi mtengo.