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The banks are borderline criminally negligent because they exclusively use SMS for 2FA.
Simply, it is insufficient.
I get that they want the SMS information on file, and that’s understandable, but give people another option at least, Holy hell. It gives my inner IT secops brain an aneurysm.
AI in the current state of technology will not and cannot replace understanding the system and writing logical and working code.
GenAI should be used to get a start on whatever you’re doing, but shouldn’t be taken beyond that.
Treat it like a psychopathic boiler plate.