Re: Visa
my bank is a little to trusting with that they only need Chip and pin to take out large amounts of money at the desk (even though its policy to show 2 forms of ID, they they do know who i am witch mite be why they skip it but still said chip and pin is enough at the desk)
but 2FA for SMS is just because they believe using the authenticator app for 30 second codes is to hard for Joe public
Biting the hand that feeds IT
