Thanks for the feedback! You brought up a valid point. It's something that will become more of an issue as the website increases it's user base and we'll think of ways to address it.
"The lobby group for Australian telcos has declared that SMS technology should no longer be considered a safe means of verifying the identity of an individual during a banking transaction."
http://www.itnews.com.au/News/322194,telcos-declare-sms-unsa...
"The lobby group for Australian telcos has declared that SMS technology should no longer be considered a safe means of verifying the identity of an individual during a banking transaction."