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For security reason, the financial institution are rarely accepted new technology or new methods since they won't take any risk by using unproven or uncommon things. Many e-banking site are running before the era login with email so popular today. The username/password methods are common in that era. They simply won't take any unnecessary risk. If username ...


Unfortunately I cannot recreate use cases laying in the basement of your requirements. I believe if you could describe the task in terms of user's goals in different circumstances it would make discussion more productive. For now I can only suggest to give up on many-to-many relationship mapping as potentially very confusing and create separate views with ...

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