this post was submitted on 05 Aug 2026
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I cannot afford healthcare (USA) and i don't think i've ever recieved an important call from my bank.
What about those stupid two-factor authentication codes? We all know banks are stupidly old institutions and still use SMS two-factor authentication instead of the much more secure time-based one-time pads.
It makes me real confident in their security, let me tell you. /s
Don't worry, more and more banks are going to apps where they "outsource" all security to Apple and Google on their respective phone OS security implementation. At least on android, the apps will detect if accessibility functions (and developer's options) are turned on and will refuse to run the app. Who even needs accessibility right? Like there's no less able bodied people using smartphones. And what's that? It's your phone? No, silly customer, we banks must protect you from getting scammed by policing your device. It's the bank's property. You bought that phone on financing anyways, so it really isn't your property.
I am definitely not angry at this outcome. I bought my phone fair and square
actually they can't use TOTP because the second verification need to display the amount of the transaction and as I know it is impossible to do with TOTP.