[iggldiggl]

> Which banks have it implemented?

In Germany all banks here (https://www.kontofinder.de/ratgeber/tan-verfahren-ueberblick...) that are listed as supporting chipTAN [1], plus probably most of those that are listed as supporting photoTAN [2] allow using a hardware photoTAN generator instead of an app, too (though sadly some banks like Ing-Diba require their own proprietary photoTAN generator instead of a standard photoTAN-device as supported by some other banks).

[1] That one is using your debit card as a smartcard for the shared secret.

[2] That one requires the shared secret to be transmitted to you in some form (probably a QR-code or something similar in a letter) and set up in the photoTAN generator app/hardware device on first use.