Totally agree. It feels like our banking is a decade behind - like transfer money - no direct way to do it between banks - most people use Venmo. Some banks are part of Zelle, but I’ve heard it has fraud issues (weak discovery/confirmation of correct recipient) and the banks won’t refund many fraudulent transfers (“You initiated the transfer! Not our problem you sent to the wrong person!”).

So, do you get a physical OTP generator for every financial institution? I guess that works, but that would mean I’d have a drawer full (2x bank, 1x work, current 401k, past IRA, and a brokerage account - x2 because my wife has about the same).

I was thrilled last year when I discovered I could renew my passport online! In 2023! That should have been available eons ago.