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I've never used those specific devices, but I have used the RSA versions a lot. I never really had an issue with typing in PIN + fob code -- even bleary-eyed and in the middle of the night which is when I used it most. Then again, ours were setup to use the PIN as a prefix and the fob code...

A lot of this is conjecture since I'm not an IB customer nor have I seen their devices. However, I'm guessing that they're using RSA-style keyfobs or something simliar to it. The IB implementation is superior from a couple of standpoints. 1) Two-factor auth. Not only do you need the...