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Why I need OTP to logon PIB even though PIB logon is not a high-risk transaction / I do not have 3rd transfer limit for my PIB service?

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Why I need OTP to logon PIB even though PIB logon is not a high-risk transaction / I do not have 3rd transfer limit for my PIB service?

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HSBC strives to protect the privacy and confidentiality of all of our customers’ personal and financial details. The Security Device reinforces this commitment by protecting customers from unauthorized access to their accounts through various types of internet attacks including: phishing, Trojans/keylogging, shoulder surfing and Screen Capturing.

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