In most cases the question is the default. The typical flow is the user tries to do a transaction - bank identifies they are not registered for 3D secure yet - a couple of questions and a OTP later - a 3D secure password is chosen. But the question remains the default one unless the user decides to take the effort of changing it.
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In most cases the question is the default. The typical flow is the user tries to do a transaction - bank identifies they are not registered for 3D secure yet - a couple of questions and a OTP later - a 3D secure password is chosen. But the question remains the default one unless the user decides to take the effort of changing it.