In an effort to provide a more secure way for consumers to access the online banking channel, many banks around the globe have begun to implement stronger authentication of users. This TowerGroup Research Note discusses the various multifactor authentication approaches being used in consumer online banking around the world. The Note provides a summary of regulators' and banking institutions' actions in countries that are moving toward stronger authentication. And it discusses the role that regional consumer preferences may play in local institutions' selection of authentication approaches.