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I don't think having 2FA in phone app is pointless. It's still second factor, if someone got to your bank account. They need to get access to that 2FA app as well. And of course you protect that app with password/ping. Do you know of cases when 2FA app was defeated when someone stole money from bank account?

What I mean is that if a user has access to my bank mobile app on my phone, they also have access to the Google Authenticator app. With Lloyds, the app is locked by finger print or password which in this particular scenario is actually more secure.

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