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How can Online Banking (E-Banking) be improved?

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How can Online Banking (E-Banking) be improved?

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Well with my bank I don’t think the security can be improved anymore than it is already. When I log on to it, there is a picture that is displayed that I have chosen so I know that I am on the correct site. Also I have set a phrase that they know that is only me who has logged on which is a Police radio communications one from 50 years ago. Also one security question is my place of birth. Geographically it no longer exists, so the only person who knows that is me and the bank as all my close living relatives are now dead! So I would say that my online banking is pretty safe.

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