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All the big banks I use don't do anything ither than SMS, they're lazy AF. This is where regulation should force security in spite of development cost
That's truly mind-blowing, and fraud must be rampant! I have accounts in several different banks in several different countries, both inside and outside of the EU, and I have never ever encountered a bank that would rely on SMS "authentication" for security, not even in the distant past when online banking was new.
Most large banks in my country still support 2FA via SMS, and it was a popular authentication method in the past. At least, in recent years, they are switching to Smart OTP, biometric authentication, etc., like with my bank, they switched to Smart OTP in around 2024. The government forced biometric authentication for all large money transfer transactions in 2024–2025.
However, it's too late to stop scammers from scamming victims using the data they get.
That's truly mind-blowing to me.
You are right.