How many of them allow to generate a code related to specific operation (provide a context for what is being "confirmed")? This is the EU requirement that killed everything but SMS and bank mobile apps.
I can confirm the transaction from a complete separate device while doing a second check if all details are correct.
One bank allows me to install mobile app on up to 5 smartphones, all I need is connect the smartphone to the Internet (e.g. through Wi-Fi).
Another bank allows me to have up to 3 smartphones, but identifies them by phone number, so it forces me to have 3 difrerent SIM cards
Yet another bank will only allow me to have mobile app only on one device. To activate on another device I need to receive SMS code, and if I lose my SIM card I need to show up at a branch in person.
Still better than in-house crap.