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Re:Why are banks still getting authentication so wrong? by raron on Tuesday May 13, 2025 @08:06PM (#43979281)
> Losing TOTP is easy. Lose your phone and it's gone.

That is the main point of it. That's why it is called a second factor.

> It means game over for a regular person.

It just means you have to go to the nearest branch.

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