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A company that has you use your personal device is an awful company and huge red flags in terms of privacy.

Most companies around me don’t care about this. They will only “give” some work devices if the work is really sensitive.

Most large banks in my country still support 2FA via SMS, and it was a popular authentication method in the past. At least, in recent years, they are switching to Smart OTP, biometric authentication, etc., like with my bank, they switched to Smart OTP in around 2024. The government forced biometric authentication for all large money transfer transactions in 2024–2025.

However, it’s too late to stop scammers from scamming victims using the data they get.

I have accounts in several different banks in several different countries […] and I have never ever encountered a bank that would rely on SMS “authentication” for security.

That’s truly mind-blowing to me.

[…] fraud must be rampant!

You are right.