“E-Trade Token” is Al Rajhi Bank’s Security Token App that can be installed on any smart phone for validating and performing critical transactions and operations in E-Trade banking in a secure way. It is the most efficient method of combating cybercrimes and complies to the online banking regulatory requirements of Saudi Arabia. The App offers state of the art validation methods such as: • Response only method • Challenge & Response method • QR Response Some of the significant features of the App are: • It can be installed on your smart phone device. • Requires telecom network only during installation and activation, once activated it can operate without any telecom network. • Since it resides on your mobile it can be carried around anywhere in the world • It’s one of the most secure methods of authentication since it used 3 different validation methods • The App is protected by a personal PIN which can be configured by the user at the time of acquiring the app. • It can be used for a life time without any additional cost. • Customers don’t have to wait or worry about receiving OTP SMS for performing their online banking.