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> I'm surprised identity verification by logging into your bank and/or carrier isn't more common in the US.

I've been seeing more and more carrier based verification, but it's hidden in the disguise of 2 factor auth.

Cash App and Capital One are two examples I can give concretely that do this, as I've been locked out of my account a few times until I can get my husband to read me back the 2fa code (cell carrier has a pre-marriage last name for me and refuses to update it).




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