> Many banks now also use their app as a second factor, rather than a generic OTP option that can run on any hardware. A financial institution I have an accoun

> Many banks now also use their app as a second factor, rather than a generic OTP option that can run on any hardware. A financial institution I have an account with requires MFA to log in, and the only options they support are SMS MFA and their proprietary smartphone app. This is acutely annoying to me, because it means I have to get up and get my phone if I want to log into this site from my PC (or rig up a complicated Android emulator setup).