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All banks in Sweden have a similar scheme. It sends a token and a description to your phone on any mutating or authenticating operation, you input your code, and it signs the token and sends it back to the bank.



The BankID app? Most banks also have hardware TOTP tokens.


True, most banks have both. But the hardware tokens seem to be dying, slowly.

Personally I consider the transaction description a pretty killer feature of Mobilt BankID compared to the hardware tokens.




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