The fundamental principle in this approach could be based customer's profile, value, valuation, balance, transactions count, transaction legal compliance, tax complaince and so on....
In addition the Atm pins or passwords like otp,captcha , barcode,qrcode,(personalised - texts, symbols,images-plantuml syntax driven, smileys, personal video clippings, ...). Could be the basis for this... Such Pins or could be culture and language neutral in alphabets, numerics,symbols, images, codes, cryptic messages, captcha, audio's or phonetics, music,songs,sa re ga ma pa da ni sa,videos,smileys,timings,panchagam, festivals, God weapons, God symbols,God manthiram, and so on....
Are we going towards this approach in the near or far feature....
What do we think of this suggestion?
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