SMS are not much on their way out. I just got an OTP via SMS for an online credit card payment. Then I had to insert my secret PIN too. Friction friction fricti

SMS are not much on their way out. I just got an OTP via SMS for an online credit card payment. Then I had to insert my secret PIN too. Friction friction friction. Some banks authorize operations with their apps: it's either fingerprints, PINs or codes by SMS. Usually a combination of two of them. One bank also requires a kind of captcha. Of course I'm hating all of this. I wish they pay me for the extra work. We were better off when things were worse /s