this post was submitted on 01 Mar 2024
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It's infuriating that my bank still uses SMS 2FA.
What if you don't have an Android or Apple smartphone, or refuse to get one on privacy concerns?
I know SMS isn't very secure, but how is one supposed to use 2FA if they can't, or won't, accept spyware to do so?
You can use TOTP 2FA on a browser too, there’s plugins for it. It’s not some super secret algorithm, smartphone apps are just the most common way of handling it. I suppose there’s progress to be made in terms of accessibility and education for the general public in terms of options for TOTP.
That's a good point, and I do have some 2FA set up like that. The problem is I have to be logged into a computer, have a browser open, have the 2FA extension installed, and be able to copy and paste or type the code in before the timer expires.
That's not hard at home, but if I need to sign in to my bank account while at a library or anything like that, I'm screwed.
I think SMS is popular because it's so easy to reach the people that need the codes, regardless of platform. I just wish it wasn't so bad security-wise, you know?
TOTP isn't offered by most of my financial sites, or Apple. It's annoying.
That’s because Apple, as they love to do, decided to make their own special version of 2fa within their little garden.
Y’know, instead of going with the accepted totp method.