I'm given a choice between two banks's authentication procedures and I need help choosing the most secure and convenient option.
Option "hardware token": Authentication into the web platform is done via username/password but transactions are performed via a combination of PIN and a onetime hardware token key.
Option "fingerprint": Authentication into the web platform is also done via username/password but transactions are performed by authenticating into a software token app on the phone via a fingerprint and getting a onetime token key.
My understanding is that the hardware token option is more secure because phones and laptops nowadays can easily be infected with keylogging and other kinds of software to eavesdrop on my passwords. However, the fingerprint authentication is a biometric form of authentication and as far as I know can only be spoofed with a physical fingerprint and not software, thus possibly providing the same level of security.
Another weak point could possibly be the risk of stealing the software token's seed.
What do you think I should choose? Is hardware token still the way to go or is biometric identification a sane alternative in my scenario?