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Then literally every US business and government is not trying to be secure. I cannot name a single organization that does not have the option of or requires SMS 2FA.

I think the government and large businesses like it that way, as it makes the mobile network providers as a sort of credit check (or “are you worth dealing with”) mechanism.



Now that is more of a problem than a bank. Which is why someone beeds to integrate OTP tokens into ID cards, closing the issue.




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