Luddism -- in this case going without a smartphone altogether -- is quickly becoming the most reasonable option.
You are also quite quick to dismiss cheques as someone that never even tried them...
You are also quite quick to dismiss cheques as someone that never even tried them...
Online banking is dead simple to secure: require a TOTP token. It's something you have (like a debit card) + something you know (PIN/password). The poison being introduced is through a third party, and entirely unrelated to the original function.