Sweden. The little keyfob thingies have been the thing for many decades here, I would guess ever since the dawn of internet banking, but I’d have to ask my parents instead of just assuming. I used to assume that was just normal for banks in the world at large. When you want to log in, the website gives you a code, you type the code into the fob and it responds with another code you type in to the website.
Nowadays they additionally offer login via BankID, a mobile app used throughout Sweden for personal online identification.
As a German, when living in Sweden, I was (and still am) very impressed, how widespread the use of (Mobile) Bank ID, beside the use of the personal ID number (As a male German, the state has assigned me at least three different ones without requiring any interaction.) for basically everything, is.
In Germany, before introducing a second electronic way of authentication for online (or phone) banking, it was done by a chosen password and a TAN (transaction number) from a list that you regularly got sent by mail in a special envelope. Later it was replaced by that “thingy”, a mobile TAN generator, or push TAN via SMS.
It was not special from the outside, but from the inside. It was either the envelope or the TAN list that was printed with a special pattern to prevent reading the list by using a flashlight.
OTP for 2FA has just started becoming common here (US) within the last decade I think. Each bank has its own separate app and many banks seem to limit password lengths to less than other websites.
Sweden. The little keyfob thingies have been the thing for many decades here, I would guess ever since the dawn of internet banking, but I’d have to ask my parents instead of just assuming. I used to assume that was just normal for banks in the world at large. When you want to log in, the website gives you a code, you type the code into the fob and it responds with another code you type in to the website.
Nowadays they additionally offer login via BankID, a mobile app used throughout Sweden for personal online identification.
As a German, when living in Sweden, I was (and still am) very impressed, how widespread the use of (Mobile) Bank ID, beside the use of the personal ID number (As a male German, the state has assigned me at least three different ones without requiring any interaction.) for basically everything, is.
In Germany, before introducing a second electronic way of authentication for online (or phone) banking, it was done by a chosen password and a TAN (transaction number) from a list that you regularly got sent by mail in a special envelope. Later it was replaced by that “thingy”, a mobile TAN generator, or push TAN via SMS.
OMG the special envelope seems to make it specially easier for people to steal just the right mail
It was not special from the outside, but from the inside. It was either the envelope or the TAN list that was printed with a special pattern to prevent reading the list by using a flashlight.
I want this so bad now.
OTP for 2FA has just started becoming common here (US) within the last decade I think. Each bank has its own separate app and many banks seem to limit password lengths to less than other websites.