Re: Standardise 2FA
I'm still surprised that neither Apple nor Google have tried to build 2FA into their phones. Just standardizing the sort of "type in the 6 digit number that appears on the screen after entering your PIN" type of 2FA that a lot of corporations use for accessing their network from a laptop at home would be a win.
It will need one of those big players to do it to standardize. Banks aren't going to get together and standardize on their end, that's the wrong way around. Build it, and the banks will come (though obviously using your phone as the 2F for a banking app you access from your phone isn't ideal, but it is way better than using SMS messages to that phone as most currently do)