Not even trying to delay ship or get future rework scheduled, just having it documented is too much. Out of sight out of mind.
I once dropped my phone in a lake (I'm clumsy) and was locked out of most things for a few weeks.
I prefer TOTP for most things. Keepass supports them across platforms, but Aegis has a better experience on mobiles.
You can still live in 2022 without one, although the assumption that you have one gets more annoyingly entrenched year-by-year.
I don't quite know what these single points of failure are, but they must tend not to exist when you have a "hard no--I have no such device" in your back pocket...you can choose services that don't require it, use hardware token 2FA, or something. Somehow, it does still work out to simply not have one, but it seems hard to avoid reliance on it once you've got it, since you don't see a service and think "well, I guess I just can't sign up for that one", but instead whip out the cell phone and comply.
Tell your workplace you're about to switch from carrying a phone to a landline: what is their fallback option? (It's about 50/50 whether they have one, but they definitely should.)
Don't know about banks in Europe but in USA, I can log into Bank Of America and JP Morgan Chase without any phone authentication.
If I reformat my harddrive or buy a new computer and the bank doesn't recognize the web browser because no previous cookie has been found, the website will generate a one-time code and send it to my email address. I then enter that security code and the web browser is "recognized" without further issue. The smartphone was not needed in any step.
EDIT ADD: I did open my bank accounts before 2007 and thus before the smartphone era. Because of that, there may be a possibility that my logins are "grandfathered in" to not require any smartphone app authentication. It's possible that opening new accounts today with BofA/Chase require smartphones but somebody else would have to confirm/deny that.
I don't want a micro-computer in my pocket, I stay at the computer all day anyway, a better one.
Why can't I do with a real computer what it is possible to be done with a phone?
A smartphone is just a tracking device, and it is terrible for privacy - but great for advertisers and similar industries.
Otherwise, a computer should be able to do everything a smartphone does.
What about text messages? Google voice. Which of course has a desktop interface. I've been doing this for years. It's nice not to have to rely on a watch, or phone entirely - although they do make my life easier.
Politically, there is no will for a national identity verification type service as infrastructure. And this way, all the work gets outsourced to ATT/Verizon/T-Mobile, and politicians get to say “it is not our fault” and telecoms get to say “it is not our job”.
Banks mostly but these days employers too. Getting a separate device, or multiple, seems like the least horrible options to me.
Turns out everyone wants a piece of my data I in the name of convenience. Only, it's their convenience, not mine.
They watch you while you watch them, and there's nothing you can do about it. What I really wonder is whether we're 10 years away from police being dispatched if your phone is turned off (which, of course, would have started as opt-in, and ended as getting a ticket for letting your battery die), if we're 50 years away, or if there will be some sort of Butlerian Jihad before it happens.
edit: we can pretend this is just about authentication, but the reason smartphones work for authentication is because you have no control over them. If you root your phone, it becomes useless for authentication.
But also, I don't use my phone for banking because I still don't trust mobile ecosystems. I use a dedicated VM that requires a decryption password to boot up.
But yeah, banks are pushing for app usage rather than web interface, which is ironic given that my bank still only has SMS 2FA, not token-based. So why would I trust their app to be anywhere near secure in an insecure ecosystem if they can't even support proper multi-factor authentication that's been standard for, what, 5 years already?
I migrated my personal domain (nameserver and email) to a different IP address. After migrating the server, I wanted to change the glue record on OVH.ie. They detected some suspicious activity and prompted me to enter the code that was sent to my email, email on the domain that has unreachable namesevers because I couldn't log in to their dashboard. I had no 2FA enabled.
The interesting part about this is that I knew it might cause problems, so I also added a secondary email address to OVH, the one from our national academic research network. But OVH only sends codes to the primary mail! How useful ...
The only thing I currently need my phone for is Google's new device login and even that goes to my tablet too.
there are old folks who aren't that tech-savvy, and smartphones + plans are not that cheap or free in the US, we still have some extreme poverty, penetration is not 100%, if you're going to make smartphone a requirement to participate in society there really need to be super-cheap smartphone options.
Nearly no moving parts(The few remaining ones seem to be the #1 failure mode), a general purpose OS that's truly designed for what it does, etc.
On top of that, they have some built in safety features like the ability to remotely disable, wipe, and track them, plus, normal bank transactions can be reversed. I would much rather have a phone-linked account than go back to cash, and people used to carry that all the time.
Plus, for all the horror screen addiction causes, it does make losing your phone less likely, because you notice fast.
And on top of that, we used to (and still do) have MANY single points of failure ranging from debit card to notebook with meeting notes that could get you fired if you lose it to cash to house keys, any individual one of which could, if lost at the wrong time, cause a similar scale of damage to a lost phone, sometimes more.
Now, if you lose your credit card, you use your phone to disable it. If you lose your keys, you use your phone to uber. If you leave your wallet at home, you sign up for Kroger pay while standing in line, using the card number you stored in a notes file for exactly that kind of thing(true story).
It might slightly increase the risk of some pretty big disasters for some people, but for most of us, I think overall it removes a lot of common failure modes from life, so we accept the downsides.
And even here, my bank accepts two (or more) devices with an active instance of their app. So the solution to this spof is the same as always: redundancy. You need a second phone. Your old one is probably good enough.
Check with your bank. Most banks have another capability of verifying who you are on login. That usually consists of a random-number generator that is in lockstep with a similar one within the bank's system. The random-number supplied by your 'token' should be the same as the one generated by the bank that is associated with your account or login.
We have three of these. One for each of the banks we deal with.
https://pic.pimg.tw/abcwithyou/1348639177-1831387207.jpg
We don't use any of the bank smartphone apps. I dislike intensely trying to do broadsheet work on tiny phone screens. It's akin to trying to do 'keyhole surgery'. I much prefer my 3840x2160 view and at a non-microscopic scale on my computer screen.
I haven't tried it but an Android emulator should allow you to use apps without a smartphone.
The ideal situation is for a site using 2FA to allow me to choose the 2FA application: Google Authenticator, Authy, OneAuth(I think), etc.
Tools like Okta Verify, RSA, Symantec, or SMS based 2FA make the phone a true SPOF. You can't have backup codes, you can't migrate installations. In other words, I hate forcing my phone to be an irreplaceable hard token lest I drop it in the river and have to do a bunch of resets.
What country is this? Are you sure they're not just heavily pushing for the use of the apps while still having an alternative? What happens if when you open an account you tell them that you have neither an Android nor Apple phone? There's probably still plenty of options for such phones, and it's hard to think they'd refuse to open an account unless you buy a phone of their choice.
Or you change phones, wiping the old one before selling it to your friend and setting up the new one from scratch?
Some websites are terrible/impossible at letting you recover your account when you've lost access to the phone number or the exact instance of the phone used for authentication.
Technically you can also set up an additional Authenticator on your computer. But my bank authorization are either app based or phone number dependent - so one main phone featuring both and additional phone having the app set up.
I don't like it either.
https://support.google.com/fi/answer/6330195?hl=en
It allows the data to be used on a second device, on the same SIM/number. Not SMS though, so this is going to be a limited solution. I also don't know how this works across the globe.
I'm prepared for it by using ProtonMail for my main email with (strong, memorized) password only, no 2FA and Starling for my bank, which allows you to log in with password + video of yourself.
[1] not only it’s convinient, it’s also similar to what all the future predictions regarding technology said. Some small gadget or bracelet connecting over air and doing stuff.
Glad it's not only my problem. Force banks to support TOTP. They will not do it voluntarily, they have too many "experts" selling dedicated app to the managements because "securitay".
I have a folder with recovery codes.
I have a fully encrypted phone.
I can afford a cheap backup phone.
I never felt as secure as I do currently.
Partially thanks to Google and the effort they put in 2fa.
I'm happy to have that than needing to drive to my bank for a paper printout.
I still have my bank's physical code-slip and can sign in using it just fine.
My fiance's bank provided her with a small, calculator-looking battery-powered code device.
I always get my OTP verification codes (banking, corp login etc.) both on mobile and at my email id.
oh I don’t know like private/ public key infrastructure that works well in crypto
solutions are clear
Please also note that any changes will impact some people. How often do you lose your smartphone? If every month then it is sad. You need to find a bank that still uses cheques etc.
No point in whinging. If something works for 90 % people then get used to it.
For example, I did not like joining facebook for my children's school nor whatsapp groups but did it as most of them did it.
Creating redundancy for every dependency is not always practical or economical.