Should be optional.
I feel equally threatened by a potentially weak bank app running on my phone all the time as I would my carrier giving away the keys to the castle.
I feel equally threatened by a potentially weak bank app running on my phone all the time as I would my carrier giving away the keys to the castle.
Kraken (a cryptocurrency exchange) allows you to set up one TOTP token for regular logins, and another, separate one for withdrawals... obviously not as good as individual confirmations but still a heck of a lot better than SMS!