“I am really interested in the online banking security...”

I am really interested in the online banking security of this bank for internet payment and really wish other banks can learn from them, this is what I mean, for example I purchase an epad worth 200$, from ebay, and am checking out with paypal, before the cash is deducted from my card, am sent a MSG containing security pin, to verify if am truly making that payment. I don't really have to worry about who get to know my details, as long as they don't get my cell phone my account is safe