No - I only get asked for approval on particularly suspicious transactions, normally based on amount, merchant reputation, and geography. I believe this differ

No - I only get asked for approval on particularly suspicious transactions, normally based on amount, merchant reputation, and geography. I believe this difference is because in the US merchants are on the hook for fraudulent transactions and in the rest of the world the customer is on the hook. So if someone steals my card and makes a bad transaction, I just go into the app, flag it as fraud/not me and no money comes out of my bank account. The merchant ends up eating the cost because it's better for them to eat a small fraud percentage than to add more friction to the checkout process.