Swiss Security
It seems the Swiss are VERY serious about security. Some might say “fanatical”. To access wifi I need to enter a 16 character passphrase.
For online banking you need an 8 character minimum password, with at least 1 number and 1 special character, and a 6 digit pin number. After entering the password and pin on the web page, a text is sent to your phone. You enter the pass code sent to your phone on the web page and now you have access to your account. To pay a bill, select the bill, another pass code is sent to your phone. Enter that code to verify this is bill you want to pay.