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That’s how it works with my Australian bank. It verifies me via a push notification to my app. And vice versa, doesn’t that also validate they’re the bank?

Not that I have an option to request them to perform the validation. But they require that validation to continue the conversation now.

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You mean if someone calls you and tells you they are the bank, then you get push notification to your app, then you can validate that they are the bank, right?

That’s true if it’s done right, but it also sounds very similar to how people scam (call a victim, let them know they will receive a message from the bank, and ask them to read the verification code back to them)! It’s a little tricky.

Actually they use it even if you call them. Rather than do the “name, dob, etc”, they send a push notification to the app and require you to accept it.

Which phone verifies you to continue the conversation.

And I guess you’re right. The receive sms and read out the code is similar. Tho this doesn’t have a code. It’s an in app push notification which you simply accept (or reject if not expecting it)

That's cool, which banks that?

I've been looking at alternatives from ING recently.

CommBank. From a tech perspective they’ve been pretty good. They had careless cash early on.

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