Post #1508912

Some countries are all-in on the digital transition and for a lot of things shops don't even accept cash anymore. Digital QR code transfers are preferred. Be thankful that the banks that you deal with haven't gone down this path. 2 factor TOTP exists and is secure enough for corporates to have adopted long time ago. Banks can adopt similar authentication methods but choose not to. On the OP, not sure what the solution could be. However, going down this path seems flawed.