Idea of online banking, online bill payment and many other online things ... I am sure most of us would consider it a great benefit because it makes our lives easier and saves us from going physically to a place and perform the task.
However, for me, lately I have found too many online accounts as a problem in itself. I have some reasons for it:
1> Every account has different username and password policy .. i.e. some accounts suggest to use special characters and few do not.
2> Many places, the user name which I may want to keep, may already have been taken. I have to invent a new one, which may be an odd one compared to any of my other accounts. [one more thing to remember]
3> Every account asks me to keep some security questions and provide its answers~ do I (or will I be able to) even remember what questions have I chosen for which account and what was my answer there? And If I keep same answer everywhere, then also it's not a great idea from security point of view ~ hmmm..
4> Password change after, say, 45 days also cause one more headache. I know that it is necessary, but how do I remember all?
5> To keep it in my memory, I can also have an option to write it somewhere and whenever required, refer to it. But huh! how can I write my password anywhere, which can be accessible to anyone?
6> Some bank accounts have the numbers only as the user id. So more credit cards you have, different user ids you will have to remember. [This is one reason, I do not keep many credit cards and restrict myself to one] Also some accounts have only numbers allowed for passwords.
7> Gas or electricity, etc - Add to the number of accounts I already have!
4-5 System passwords (in my software area), mulitple bank accounts, online e-ticket facility for train and for flights and many more..
Recently in my company, they have created one portal where I can login and reset my domain password on my own! Who would remind me the portal password NOW to reset the domain password?
8> If I go on vacation for 4-5 or more days, then, definitely, expect me to forget the passwords easily.
I have more reasons too. I totally agree that Password policy is designed for security, but I, somehow, find it very difficult to remember and manage with these.
Do you have a good way to manage which is secure too? I guess, Girish (Mr. Wanna be Geek) will have some idea. Please Share!