Yes - the Singapore system uses an offline "signing" physical dongle, in which you enter the account that you would like to use, click "sign", and then enter th

Yes - the Singapore system uses an offline "signing" physical dongle, in which you enter the account that you would like to use, click "sign", and then enter that information into the website, when you wish to add a new payee. The thing is - once you get used to this system, the "cost" faced by the user goes away. I type in a 2FA a dozen times a day when logging in, and the overhead (wait 3 seconds, type in a 6 digit number in 3 seconds) - is really pretty insignificant.