Secret Question - answered in 3-5 mins, how., page-2

its tied up with the patents and technology implementation. From what I understand, Paypal's patents were filed in 2002, whilst ISX 2011, and granted 31 Dec 2013. Just a wee bit of change on the internet in those 11 years

ISX is actually instant for all banks - its just that it takes YOU (as the user) 5-10 mins to log in an retrieve the secret - its already there waiting for you (in most cases). If its not there n your online banking (as your bank hasnt upgraded yet to real time), it is there via your phone banking.