Absolutely not, I heavily dislike SmartID and similar proprietary spyware as well. A TOTP HW token would be in my opinion more secure. The reason banks use it t

Absolutely not, I heavily dislike SmartID and similar proprietary spyware as well. A TOTP HW token would be in my opinion more secure. The reason banks use it though is the convenience, having some identity tied to the apps is just a bonus for them.