alt Hacker NewsCurious: How do you do your banking? Most of my banks de-facto require an Android or iOS app for authentication, unless you want to do all your banking in person and pay hundreds of Euros in fees every month (and even that would exclude you from many services).
I am a US person and the four (three very large and one smaller, regional) banks that I use do not have any such requirements.
Web based online banking (since nothing related to banking requires 3D or VR/AR or camera/mic access or other fancy things that apps do) and 2FA auth. That is all I have ever seen or used.