| So the effects of PSD2 I've noticed: 1. My bank now _requires_ SMS 2fa, for many actions like logging in, viewing transaction history > 1 month, or making purchases online. 2. My bank has killed their mobile web page in favour of their app. The desktop web page still works, but if you try visit it with a mobile UA you still get told to use the app. 3. Not 100% sure this is PSD2 related, but my bank have made their password policies less... dumb. It used to be max 8 chars, case insensitive, anything longer was silently truncated. In addition, the signup form used to allow alphanumeric characters, but the change password form only allowed alphabetical. 4. Presumably because of 1, they now no longer randomly decline transactions to smaller vendors. They used to then send you a text asking you to phone the fraud department to clear it. The first couple of times, I thought the text _was_ the fraud. Now it's entirely possible my bank have just misinterpreted what's required of them, their prior actions show they aren't the most technically competent, but that's not what they were chosen for. |