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Comment by f30e3dfed1c9

1 month ago

Dunno what to tell you. Several possible points of failure there. Maybe your bank's system for sending SMS just sucks. Maybe you're in a place with poor mobile network coverage (which is a real problem for SMS 2FA, I agree, having lived in a place with nearly none for several years).

But for me, where I live now, with my bank, and my phone carrier, it works great. Never had a problem that I can think of. Typically, the SMS arrives within seconds. It's the least annoying and most reliable 2FA method I use.

I'm not that worried about potential security issues. Sure, it's a possible problem, but pretty low on the list of things to worry about.

The least annoying and most reliable form of 2FA I use is tapping the touch sensor, doing a biometric face unlock, or typing in my PIN on the device I currently have in my hands. Its miles less annoying and way more reliable.

  • Glad that works well for you. Does not work well for me. I do not care for laptops except when necessary and have come to loathe my phone. Everything important is done with desktop computers that do not have cameras or touch sensors, so biometrics can't work.

    In general, I do not have a "device currently in my hands" and having to pick one up and unlock it is annoying.

    • > I do not care for laptops except when necessary and have come to loathe my phone.

      Good news then, this also works on desktops, even ones without cameras or touch sensors. That's a part of why I mentioned "typing in my PIN". But sure, keep moving goalposts. Maybe next you'll tell me real computers don't have numbers on the keyboards or something.

      > In general, I do not have a "device currently in my hands" and having to pick one up and unlock it is annoying.

      I agree, which is why SMS sucks so much for 2FA. Having to have my phone with me with signal just to auth into something sure is annoying, I don't know why anyone would prefer that compared to just using the authenticator physically inside their computer.

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