Real estate executives with nationwide portfolios find themselves spending a lot of time on the road or in the air. Yet they still have to meet unrelenting deadlines for financial reviews, approvals and transactions.

Mobile banking apps allow banking clients to make informed financial decisions and perform key treasury management functions remotely. Tokens typically provide an essential layer of security for those out-of-the-office transactions. But they can also be cumbersome and inconvenient.

These small hardware devices generate a one-time numeric passcode. This passcode needs to be entered into the mobile app to provide access to online banking services.

Now, “soft (software) tokens” provide a multi-factor authentication system with the functionality of conventional tokens — without the hardware. They allow the user to generate a single-use login PIN using their mobile device. These tokens make mobile access more convenient for the traveler while improving business resiliency. And there’s no battery to run out.