[6510]

>....the calculator devices were retired in favour of smartphones with remote attestation. This was better in literally every way, for 100% of users.

Not 100%. A robber can force people to activate facial recognition or finger print sensors. Forcing someone to type a pin code is harder but doable. If one doesn't bring the authenticator & bank card they cant initiate transactions.

[mike_hearn]

Banking apps don't normally force you to use biometrics. They let you use PINs too, at least mine does.