In the Netherlands we have a system called DigiD to login into to most government websites like your taxes and city, etc.
When I contracted for the city of Amsterdam I learned they’ve been pushing hard for the DigiD app to two factor authenticate instead of text message, because of contracts Digid charges a lot per text message validation and none for app.
I like how we went full-circle to Passkeys which are basically a "remember me FOREVER" button, implemented kinda like SSH keys. Should call it that too, and also ditch the like 4 prompts it gives you first.