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Some operations, most notably confirming cc purchases online, can only be done using a mobile terminal for 'safety' reasons.

That's definitely not the case for any bank I've ever used.

That is not true for my bank.

Also, "terminal"?

Ah sorry im old and french. 'terminal' used to mean 'user device' here.

In France, banking without a 'trusted' mobile phone is kinda hell.

Even accessing some stuff for the state (they call it 'france connect+) will require a 'real' android.

It can be a special purpose device, it does not have to be a smartphone.