> So really the ideal is not just having an app that generates a token but one that generates a specific type of token depending on what type of transaction you're performing and won't accept, for example, a login token when adding a new payee. I haven't seen any bank with that level of 2fa yet, has anyone else?
My local german bank uses an App specifically for 2fa. When i log in i have to approve the login within the app and the website redirects automatically. It shows me that I am approving a login or a transaction with all the transaction details. Since I don't enter my second factor into the browser, a replay wouldn't be possible and it would be VERY obvious to spot the difference between approving a login and approving a transaction. German Sparkasse for those that care.