As more Web sites demand passwords, scammers are getting more clever about stealing them. Hence the need for such "passwords-plus" systems.
To access her bank account online, Marie Jubran opens a Web browser and types in her Swedish national ID number along with a four-digit password.
For additional security, she then pulls out a card that has 50 scratch-off codes. Jubran uses the codes, one by one, each time she logs on or performs a transaction. Her bank, Nordea PLC, automatically sends a new card when she's about to run out.
Scandinavian countries are among the leaders as many online businesses abandon static passwords in favor of so-called two-factor authentication.