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Be careful.
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this post was submitted on 14 Sep 2024
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App-based would be bad, as bank apps are notoriously unfriendly to people who don't own Google/Apple smartphones. Rather, a TOTP or Yubikey.
That's what I mean by app-based. Something like Authy or Google Authenticator, etc.
At least use Aegis ;-;
Thanks, I was about to suggest this too. Aegis is awesome. :) I can't understand why most banks sms a code instead of using something like this. It's insanity.
Probably certifications and paperwork for implementing this stuff + educating the customers with a significant higher entry cost than paying the 100k € for the SMS bill