I roto i ngā taputapu pūtea o te UK, ka whakarei ake ngā whakaaturanga i te haumarutanga tauwhitinga me te wheako kaiwhakamahi mā te whakahohe i te whakaputa OTP, te manatoko tauwhitinga (hei tauira, ngā taipitopito moni/kaiwhiwhi utu), me te whakahaere tiwhikete mamati hei ārai i ngā whakaekenga MITM me te whakararuraru. Ka whakaratohia e rātou he aratohu whakahaere (hei tauira, ngā tohu PIN) me te tautoko i te MFA (hei tauira, te tapumati+OTP). Ko ngā au o muri mai ko ngā taunekeneke atamai (ngā mata pa, ngā koiora koiora, te pēke waehere QR) me te whakataurite i te haumarutanga me te utu.