Here in the Netherlands I can use the website of my bank even if I don't have a smartphone. I get some QR-camera reader which I can point at the computer screen

Here in the Netherlands I can use the website of my bank even if I don't have a smartphone. I get some QR-camera reader which I can point at the computer screen and it generates a TAN code, which I can enter at login and at transactions.. I do believe the government and banks in my country somewhat think in line with the user needs. Not in every country will this mentality exist. Sure, if you want an app for an open source platform like Linux, that may take a lot longer. I think there is already a common platform for this, but not many banks offer it.