Leave physical passcode keys, sure it costs the consumer more because your paying for a more secure system / wallet / banking system. I would not trust my retirement information or Investment information to any
"Finance website" that utilzes a Cloud passwords aquirement system, an SMS system, an Email verification system or any 2 step verification system that can be defeated with a cloned phone, Sim card
swapping, randsomware, trogans, malware, fake apps or cloned webpages like yours for instance. Your Bankers for Gods sake you know better, ignorance
pf the obvious may not always prevent a court from siding with the clients and forcing you to repay the
Losses threw the FCC Banking insurance system.