It would be great if banks would actually use standardized 2FA, but the 'TAN' apps are all random propriatary stuff. The only that works in a standardized way

It would be great if banks would actually use standardized 2FA, but the 'TAN' apps are all random propriatary stuff. The only that works in a standardized way are banks that use chiptan (using the secure element of the banking card with a reader). For this there are devices EG Form reinerSCT