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Then it's a good thing that many banks in the EU now have 3DSecure validation through the phone app instead of SMS


What if you lose your phone? In my country banks only allow you to use one phone for mobile authorization, so you can't even have a backup phone. I really wish 3DSecure was optional so I can turn it of when going to foreign vacation.


On a vacation I have my card (and can use PIN auth), the issue is usually online transactions ("card not present", ie. vPOS transactions).


… and it already brings us halfway to the point where you can't buy a new phone if you don't have a phone already.


I hardly use an iPad, but take it with me for this reason.




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