I've always thought it incredibly odd that ESO does not have an iOS (iPhone/iPad/iPod) / Android authenticator. Every other MMO I've ever played has had one and used it for protection. When hearing that ZOS was afraid of Fraud and that's been a big stumbling block for making Crowns giftable, I was like 'wiggidywhuuu?'
I would think that if an Authenticator
- Was required any time a player logged in from a different IP address than normal
- Was required for any new cash purchase (so once a subscription is set up and approved, future monthly re-sub would not require it, but all single transaction things, or new subscriptions would.)
... those two combined would almost completely eliminate every possibility of fraud, would they not? (Yes, this assumes a person choses to bind an authenticator to the account.) If such a thing were in place not only would someone have to steal someone else's login and password information, and the credit card they are going to commit fraud on, but they would also need the physcial device the authenticator is stored on, as well as that devices login.
I've always found it incredibly odd that this has been the only MMO I've played that does not have an authenticator. With somewhere of around 25+ MMOs played off the top of my head, the only time I've ever been hacked was in an MMO which did not have an authenticator option at the time. And honestly I think every online game that releases, not just MMOs, should have authenticator options and such kind of security layers already in place at launch. It kind of boggles my mind one does not exist for ESO.