BEDFORD, Mass. – RSA Security released key findings of its annual Financial Institution Consumer Online Fraud Survey, which surveyed over 400 U.S. adults about online banking authentication and e-mail fraud. The findings include the following: * 73% of account holders believe that financial institutions should replace username-and-password log-in with stronger authentication for online banking. * 89% of account-holders would like their banks to monitor online banking sessions for signs of irregular activity or behavior similar to the way that credit card transactions are monitored today. * 59% would like their bank to contact them when something suspicious is detected. * 79% of account holders are less likely to respond to an e-mail from their bank due to scams including phishing; this is up from 70% in the 2004 survey. * 65% of account-holders have seen either a "slight increase" or "no change" in the amount of phishing e-mails they have received. When asked about online banking authentication, 74% said risk-based authentication would be their preferred method of deeper authentication. Risk-based authentication involves a behind-the-scenes assessment of the user's identity based on factors such as log-on location, IP address and transaction behavior. Forty-three percent did say they would use a token if it was free.