[bubblethink]

I agree that you shouldn't use SMS. My point was that unless the law (if there is one), requires that 2FA be enabled in an accessible way, the banks will do their own thing with the phone push notification system. The 2FA situation is quite bad in the US too, but a small no. of banks do offer TOTP.

[toastal]

This whole situation caused me to throw up my hands in Thailand and now I pay for most everything in cash since it's still a cash-friendly nation.