@floriansnow @fsfe Italy, big bank.
Just the original app, obligatory installed from the play store.
It asks for your pin to enter, to perform operations, and to login from the desktops.
Tied I think to your mobile number or id.
No way I can login using free software.
In very special cases you can ask for a one physical OTP, but they did very expensive.

I think one part of the discussion should be on how people deal with pins, passwords or even key files. Lost, shared, written on a post-it ...