None of the recommended alternatives show what you are authenticating for. The proprietary auth solution as well as SMS will show "To authorize a transaction o

None of the recommended alternatives show what you are authenticating for. The proprietary auth solution as well as SMS will show "To authorize a transaction of $12,345.67 to account ..., enter code 123456". SMS isn't secure because there are various ways for the attacker to get the code aside from phishing. The apps are a royal pain for the user, but they enable this flow, and they are secure for the bank. The bank has limited incentive to make the user happy, but a lot of incentive to a) minimize fraud, b) be able to blame the user for the remaining fraud. That's why you will keep getting shitty, user-hostile authentication apps, and that's why banks will keep losing some (but probably not enough to make them care) customers to neobanks that are prioritizing user experience. And why neobanks will enshittify once they are no longer willing to buy adoption by accepting more fraud.