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The SMS stuff seems like theatre when SS7[1] has been known to need a nuclear-powered auto bailer for how porous it is. [1] https://en.wikipedia.org/wiki/Signa

• mike_hearn 1y ago
  ... which is why none of the banks I've used support it for many years now. It's a legacy example. Modern banks all rely on apps that bind to the secure element in the phone or they issue a smartcard reader.
  • niutech 1y ago
    Not all modern banks, e.g. Santander Bank in Poland still uses one-time SMS codes.