SS7 Firewalls are not yet widely deployed and mostly available by startups who do not have the capability to intergate this technology on a large scale, unfortunately. But it is work in progress.
SMS home routing can work to some extend, but hey, see my other post: Its not SMS that is the problem (then we could switch to whatsapp, hein?)
The problem is, that your bank tries to tell you that this is a great way to authenticate your transactions. THE BANKS, once more, not the TelCos are to be blamed here!