That’s why I hate banking apps. It’s 5-factor authentication for me and it’s seriously annoying.
The factors for logging into the internet banking are:
- Having a password manager - Something I have
- Remembering a master password - Something I know
- Having a banking app on the phone (🤮) - Something I have
- Using a password to log in to a user that has the app installed (I have a GrapheneOS and the banking app requires Gurgle services, so the services and apps must be separated) - Something I know
- Using a PIN inside the banking app to confirm the login - Something I know













I feel you.
I heard the banks where I live are thinking about providing multi-generational loans so people would be able to pay for them.