Re: I wonder if banks more apt to code their own security system
Same as elsewhere, the larger the bank the more likely they are to be rolling their own. I know my credit union farms theirs out. They're too small to do it on their own and at one point the people at the bank couldn't reset your password if you got locked out or forgot it.
Also, there's no way FarceBook or Twatter are using COTS for their websites. It simply wouldn't handle the volume.