A lot of banks in the Philippines still rely on SMS for #2FA, despite how insecure it is—easily spoofed, intercepted, and unreliable. Some use in-app confirmations via their mobile app, but if you lose access to your phone, you’re probably locked out. Why not support standard authentication apps like #2FAS, #Aegis, #Bitwarden, #Vaultwarden, or #KeePassXC, which have TOTP support and easy backups? That way, I wouldn’t have to worry about losing access. #MFA #MultiFactorAuthentication #Security