Comment by solarkraft 3 days ago
In Germany and I think the whole EU 2 factor authentication is mandatory, for which the favored implementation is an app. SMS TAN is out, the alternative is a secondary device you stick your card into.
Haven't seen a bank offering software TOTP in Poland. Over a decade ago, before smartphones became ubiquitous, I've seen a bank offering a physical TOTP device. These days, as far as I've seen, it's either SMS codes or single use codes on a physical scratch cards (haven't seen one in 5 years, though), or in-app confirmation.
Yes and they tend to be shoddily programmed security theater. My bank makes me use SecureGo plus, which goes as far as redirecting you to a website telling you screenshots aren’t allowed when you try to document its latest glitch (which may be another misguided “security” feature, who knows).
Do you need a proprietary app for that? TOTP is fine, you can just pick your own.