In Europe we have it in few countries. In my case - You enter your unique ID (6 numbers), then I’ve to type 4-number PIN on my phone. There’s also verification

In Europe we have it in few countries. In my case - You enter your unique ID (6 numbers), then I’ve to type 4-number PIN on my phone. There’s also verification-number shown on both sides, to compare authenticity . When approving payments, it also shows details and requires longer PIN code. Much easier than earlier versions. And authentication provider can be used at Insurancy, e-government, e-signing and other services.