To start using the m-token application once it has been installed, it is necessary to enter the initial password that is supplied upon activation of the m-token service.
Once the initial password has been entered, the customer is required to create a Personal Identification Number (PIN), and thus allow further use of the application.
Internet access is only necessary upon takeover of the application, when entering the initial password or changing the PIN. In all other cases internet access is not required for using the application.
The HT mToken application is as safe as a physical token. The m-token application use is protected by a PIN known only to the owner, with a PIN change option available at all times.