The best solution I've seen is third-party bank authenticators. Its only popular in Finland (and I think Norway) due to some sort of mandates. It solves the big

The best solution I've seen is third-party bank authenticators. Its only popular in Finland (and I think Norway) due to some sort of mandates. It solves the biggest problem of using SMS for this: RECOVERY. If you lose your phone or number, you can stop in to your local bank with your passport and have it reset. They'll actually scan your passport so social engineering attacks won't work. https://www.nordea.fi/en/business/our-services/mobile-online-services/e-identification.html https://www.nordea.fi/en/business/our-services/mobile-online...