The banks' understanding of security is so poor that they push people to use voice or fingerprint authentication. My wife constantly fights Wells Fargo about it every time she calls them because they want to helpfully sign her up for their voiceprint service so she doesn't have to use her PIN anymore. She used to work in a retail cellphone store so has heard tons of horror stories of people signing up for the same and then getting their voice deepfaked by a telemarketer to access their accounts.