No I promise you they won't "want one". RSA keypads were an example. Absolutely free. Hung on keychains. Work well in that it was "secure" and worked, but an a

No I promise you they won't "want one". RSA keypads were an example. Absolutely free. Hung on keychains. Work well in that it was "secure" and worked, but an absolute nightmare for the banks to manage. UX was equally terrible (sure Yubikey isn't that). The only way to mass introduce it is require multiple key entites to push and collaborate like your bank + phone provider to push it out for free. Yubi keys are a logistical nightmare for my parents. SMS is not. For my parents, sticking to something in the phone is good.