The easiest approach is a provider-issued hardware dongle like a SecurID or Yubikey. Lack of end-user programmability is a feature, not a bug.
> Lack of end-user programmability is a feature, not a bug.
I would argue that the problem is network accessibility, not programmability.
> Lack of end-user programmability is a feature, not a bug.
I would argue that the problem is network accessibility, not programmability.