Federal Reserve Bank of Atlanta. "Beyond the Password : Transcript : New Developments in Cyberspace Security," Payments Spotlight (September 15, 2011). https://fraser.stlouisfed.org/title/7190/item/655996/content/pdf/frbatl_paymentsSpotlight_Beyond_the_Password_New_Developments_in_Cyberspace_Security, accessed on March 21, 2025.