[intrasight]

I am baffled that anyone on HN doesn't have an MFA device in their drawer.

[microtonal]

Many European banks do not replace them anymore once they break or run out of battery. Smartphones have become the default for MFA.

[intrasight]

Yes that's what I meant. An old smartphone is my device in my drawer.

[microtonal]

Ah, thank you for the clarification! Does not really work in all countries, e.g. here it is quite common at events to pay through a QR code and you need your banking app to do so.