What they need to do is make everyone who wants to go into their bank have to enter a pin,make it not optional.And say your bank pin is 1234 instead of clicking on the numbers 1234 you'll have to click on a set of random letters.So they would supply you with a,d,u,h and you'll have to enter the correct letters.But the letters wont be the same every time. a could be 1 one time and then be 9 another.