That's really on your bank for insisting on using technology which has been sunset for many many years though. I would contact them and tell them you're consid

That's really on your bank for insisting on using technology which has been sunset for many many years though. I would contact them and tell them you're considering switching. If they're anything like the banks in North America they'll be freaking out trying to give you deals to stay. They did this for me when I told them that I would switch over trying to force SMS-based 2fa on me. I'm really not sure about the economic situation in China right now but since they hiked the interest rates banks have been extremely competitive in terms of signup offers here in the past few months. Might be worth considering!