From a usability standpoint it's not very good though. The experience differs from phone to phone and it kinda feels like a hack from a programmers point of vie

From a usability standpoint it's not very good though. The experience differs from phone to phone and it kinda feels like a hack from a programmers point of view. In Norway, Sparebank1 is pushing an app to get one-time codes now. I wonder if we'll see more of these in the future? I use the Microsoft authenticator to get access to my Microsoft work account. I bet if everyone starts making their own apps for one-time codes EU will demand a single app to do all of this.