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I wouldn't generalise an entire continent like that. Both my Bulgarian and Austrian bank accounts have SMS-based 2FA on online transactions and logins. Some banks in Bulgaria allow to use eSignatures as 2FA but afaik that has seen tiny adoption in the consumer space.

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I don't know about Bulgaria, but in Austria, verification apps are very popular and I don't know many banks that still allow SMS-OTP for e.g. 3DS authentication or online banking transaction confirmation.

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