If it requires a smartcard I assume this is a different protocol, CAP. The introduction to this paper https://www.researchgate.net/publication/355241124_PSD2_Co

If it requires a smartcard I assume this is a different protocol, CAP. The introduction to this paper https://www.researchgate.net/publication/355241124_PSD2_Compliant_Hardware_Token_for_Digital_Banking https://www.researchgate.net/publication/355241124_PSD2_Comp... (not mine) explains the system a little: the old hardware tokens in fig. 1 and 2 are those that cannot be used anymore; I assume you have something like the device in fig. 4?