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> if you absolutely have to do SMS for some dark pattern "harvest my customers' phones"

I had a bank that asked for my phone number when I sign up, and I gave them a landline number that is not capable of receiving SMS. Some years later, without any input or authorization from me, they decided to enable 2-factor using this landline number. It was super annoying.

My other bank accepts Yubikey. I wish more banks would do this.




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