So far in Canada... I must reiterate this, so far, this can and has been fought by one thing. Rural life, and nationalism.

There are plenty of places where mobile phones don't work, especially in the summer when there are leaves on the trees. This means SMS won't really work. So for this path, SMS, the bank has an alternative -- call a number on your account with a voice reading the 2FA code. Thus, landlines or VOIP work here.

When it comes to an app, forcing Canadians to use a phone OS controlled by US companies, still has pushback. An example being, the concept of "A Canadian having to use software from a US company, to identify themselves to a Canadian company" is still a hotspot. Especially with the US wanting to annex us.

So this lock in has not yet occurred.

Really, the phone call to a phone number on your account, not using SMS is as solid a protection, as an app running on a phone controlled by a foreign country's company. It's an alternate path. And it solves the whole 'rural person' access.

Many people living in rural areas don't even bother with a phone type device. Some have Kindles. But by buy a phone, if it doesn't work where you live?

This logic, combined with them closing rural banks, means they have to be quite sensitive here. EG, closing rural banks, then making it difficult to do online banking is political poison for our banks.