Every country is different, especially USA vs EU vs other parts of the world. I could do without banking on my phone but most bank sites in my EU country are s

Every country is different, especially USA vs EU vs other parts of the world. I could do without banking on my phone but most bank sites in my EU country are sending a message to their banking app on the phone to do 2FA when we login. This started between fall 2019 and early 2020. One of the banks I use is still supporting a hardware token (one of those displaying random digits), the other ones are all app based. 2FA works by entering a PIN in the app or using the fingerprint reader. I wouldn't be able to do any banking without an Android or iOS device.