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There is another outsourced solution on the market today which is taking hold of the market involving no CAPEX, and involves replacing ATMs with a similar technology (terminal), and purely an OPEX monthly charge which for 40 hours of service (including the cost of maintenance) costs 80% less than the cost of a single employee...  

Without having to go to the expense of resorting to biometrics there is a highly secure 2 factor authentication from a London based start-up that does away completely with username and password instead relying on a simple 4 digit PIN, launched either from a browser (HTML5) or from a mobile app (though for a bank this can be embedded into their own app and launched on opening). Authentication is performed between the Client and the Authentication Server using the app Protocol, a zero knowledge proof construct. The result is that the server has just one leakproof cryptographic key, which if compromised or stolen reveals nothing about users in an enterprise or your web application. 

In addition, the software operates on a principle of distributed trust, whereby the root key generators are split between the proprietor´s servers and those belonging to the client, meaning that any attack would have to compromise both of these systems to have any chance of being successful. 

Apart from the ease of use and deployment as well as the added security, another major point of interest is that its use can reduce authentication costs by up to 93%! Security does not have to be expensive.