Some of the most important things to secure, namely many banks, both * mandate MFA * use proprietary and/or insecure phone-based mechanisms I agree with a

Some of the most important things to secure, namely many banks, both * mandate MFA * use proprietary and/or insecure phone-based mechanisms I agree with all my heart that TOTP with backups is ideal. I discovered Authy a few months ago, and only because of that app did I enable 2FA on Amazon, Discord, AWS, and a number of other sites that offered it. Ask me how many of the six banking and investment apps I use support generic TOTP.