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This is an extremely the safety measures taken by banks to make sure a customer's identity. Today, Internet banking, phone banking and multi-purpose ATMs can be used to conduct money matters. All of them count on entering account details. If any miscreant realizes someone's user ID or debit/credit card, she may try to misuse it and may try to get a fresh set of passwords or change the address, and so on. To prevent this, safety measures are taken while the request will probably be made and mother's maiden name is regarded as the them. It's very believed normally only very close people are aware of such information or a stranger wouldn't normally be location to furnish the problem. Combined with other confirmatory questions like date of birth, exact address, give up., this provides a reasonable level of security.
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