Meeting users where their understanding is now and not trying to drag them along to where their understanding should be is definitely a challenge with replacing

Meeting users where their understanding is now and not trying to drag them along to where their understanding should be is definitely a challenge with replacing traditional workflows (like username/password, swiping a credit card, letting the waiter carry your card off for swiping, etc). The issue I see with this is that it's introducing another step into the process instead of removing a step or making it easier. Now, instead of just remembering a username/password combo, you have to 1) remember a username 2) Remember that the website that you're visiting has the option to use unloq.io (because they're probably going to offer both unloq.io and the standard username/password) 3) enter in username 4) find your phone 5) unlock your phone 6) wait for confirmation on your phone 7) hit allow 8) look up, reorient yourself to your monitor and mouse, and continue. Good UX involves taking away steps and streamlining flow, and until flow is streamlined and easier than the previous process users won't accept it.