[drnick1]

> Usually that means scanning a QR code with your bank app on your smartphone where you confirm the amount and recipient, but you can use a physical card reader with your debit card for an OTP

This seems to be mobile-centric system that essentially requires a cell phone, and probably one blessed by Google or Apple. The app will probably leak a huge amount of meta data, far more than a credit card (especially a privacy-oriented prepaid one). This kind of "solution" is dead on arrival as far as I am concerned.

[amaccuish]

Did you miss the whole part where op talks about using your physical card as an alternative?

[sghitbyabazooka]

who's paying for the card reader at home?

[Freak_NL]

My bank is. It is part of their service. Obviously I pay a service charge, but the card reader is not charged separately. The card reader serves a purpose for the bank as well, because it acts as a back-up for when people lose their smartphone (by stupidity or theft), or when their app is having issues.