Phone numbers and one-time codes, sensible. I am in the UK and the term "fintech hub" is used too loosely (part of the problem is that banks have got so large a

Phone numbers and one-time codes, sensible. I am in the UK and the term "fintech hub" is used too loosely (part of the problem is that banks have got so large and lazy here, there is competition, most of it terribly ineffective).