zlacker

> Online shopping just needs a credit card, no apps required.

The app is required for two-factor authentication.

>>xigoi+(OP)
I'm not aware of your circumstances, but at least here in Finland I was able to get (and the bank was required to provide at my request) a cheap 2FA token generator device that can be used instead of the app (Danske ID). It works whether I am confirming an online transaction or signing into a service that uses the Suomi.fi centralized login system.

I requested it after they updated their Android app to have a check for pin-code enablement. Sailfish OS doesn't report it via the Android AppSupport system, so it was blocked before I grabbed an older build via Aurora and disabled it from updating. If it ever stops working, I'll only use the token. Once that stops working, I will switch banks.