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All 3 of my (german) banks for example. One bank here (N26) even only allows a single(!) smartphone for 2FA. So if I lose my phone... well, screw me.

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I was curious if it was going to be banks. I don't think any of my banks allow yubikeys, yet. Will have to look into that.

Banks are especially bad. I know one bank that has you memorize 7 digits access codes and for authentication asks 4 digits at random places each time.

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