While the secret questions are steadily becoming harder for an attacker to guess, not to mention more of a burden on the users, the COB often doesn’t scale internationally. For example in Mexico, home to 106 million people, 30% of the population is from one of five urban areas (Mexico City, Guadalajara, Monterrey, Puebla and Toluca) 8. Suddenly, what was a hard to guess secret question for a . citizen has been greatly reduced to 1 in 5 for roughly 1/3 of Mexican users. Next, the business owner decides that instead of fighting the cat and mouse game of secret questions,.
