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Counter-counterpoint:
Banks use their app to generate the otp and they reinvented the wheel so if you want to login you need to install it, can't use a generic authenticator. I am not aware of any single bank in the EU that allows the use of generic authenticators.
For McDonald's, using the app gives at least 50% off. A menu in the app costs 5 euro while on the store kiosk costs 12 euro. I do not personally care because I find their food to be just barely edible, but I understand why there's a need to install the app
Some people have no smartphone at all. How can they be customers at your bank?
My bank had a device that was basically a simple android phone running the 2fa app. The phone app got updated through new versions and eventually got the drm treatment, but the old app keeps working because it is still running on those dedicated 2fa "devices".
Naturally the bank is now trying their best to make people deregister the old "devices" and switch to only the "app".
The old app has no internet permissions. It reads qr from the camera and shows verification as a 6 digit code.
The new app has internet permissions and is integrated with other apps so you can conveniently accept the request of your banking app in the 2fa app (on the same phone) with a single tap via an overlay. 2fa.
That is incredibly stupid.
Wow, I admit that's reaally bad 😅
Also the norm tho, afaik
They physically go there in person.
That’s still a thing.
Damn... The two extremes of the cyberpunk dystopia: no tech at all vs tech slavery.
Pay a fee of 0.30€ to receive the otp via SMS every time they want to login without the proprietary otp app and 0.30€ for each payment to authorize
Fucking hell, y'all make me realize how lucky I am with my bank that runs without gapps.