Nobody sane would argue that our current approach to banking security is fine, though. There definitely is money to be made with more secure and convenient mone

Nobody sane would argue that our current approach to banking security is fine, though. There definitely is money to be made with more secure and convenient money transfer, as proved by the quite large number of start-ups in the field. Among these, quite a lot work only among users of the same app without anybody being outraged about it.