Dear banks and other websites:

Okay, look, I understand that if you already had it in play before the tech world got deluged with articles about the hazards of relying on it, gutting SMS 2FA and replacing it might be harder than it sounds. But if you've never had any 2FA before and are adding it anew, you should really know by now not to make SMS your ONLY 2FA option.

Sure, it SOUNDS okay to people who don't have smartphones, but seriously, you may wish to look into other options.

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