[jacquesm]

Same here in NL, for now. But: banks are pushing their apps hard, to the point where every authentication you have to manually switch - again - to indicate that you want to use the token generator and not their app (never mind cookies and so on, those are only for the marketing department, when for once they could actually use them to store your preferences).

And there will likely be a time when the bank simply cuts access to the cardTAN system and only allow their apps. Screw them because that means I have to use a smartphone, which I really do not want. The cardTAN system has been very good so far in preventing fraud, once the phone is the token it suddenly gets a lot more complicated and less secure.