Singaporeans get hard token baked into credit card

That's pretty cool. I have had two old-style fobs and two new ones from my HSBC bank. Clearly it would be far more convenient to have the TFA baked into the credit card, though one more security risk I suppose (or nuisance if lost).

I travel frequently to SG and their overall banking IT infrastructure seems a generation ahead of that in the US. (Not to mention much better and more courteous service!)