[account42]

It's also stupid because most people already have a bank app as 2FA so they could just make approve payments there. And this functionality exists or at least existed but I can count the number of times I have seen it on one hand. Instead my bank went back to randomly denying transactions based on questionable heuristics.

[tupac_speedrap]

In my experience that's how 3DS actually works though, you have 8 minutes to approve the transaction in your bank app and your bank app usually has it's own security to actually access it to accept the transaction

[jack_pp]

that's how it works in my country, though there are no denies, almost 90% of transactions over 20-30$ will require I go into my bank app and confirm it.

rarely a big transaction will go through without 2FA but I've never had a transaction declined outright without first asking me to 2FA from the bank app