i hear the bank argument a lot and although i can understand the importance for those without another device, i'm a little stunned people rely on modern pocket spyware to monitor their accounts. maybe i know too much, or too little, but my banking concerns are infrequent and always in a browser.
Welcome to Poland, where you can't transfer more than ~$13K daily without using mobile auth (bank app). Currently only the PKO bank implements this (and I hope this backfires on them), but I'd not be surprised if others follow.
