It's 2025—Why Are Banks Still Getting Authentication So Wrong?
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The piece highlights the ongoing issues with bank authentication systems, particularly their reliance on SMS-based 2FA, which is insecure and inconvenient. It criticizes proprietary OTP apps for poor usability and encourages banks to adopt robust standards like passkeys, TOTP, and hardware security keys for better security and
Table of contents
The Problem With SMS-Based 2FAProprietary OTP Apps: A Marginal Improvement at BestWhat Good Authentication Looks Like In 2025Security Shouldn't Punish The UserBanks Must Do BetterSort: