>I guess you go to the bank's office if you forget it?
Yup. An account reset requires a visit to the bank and you'll get the new password mailed to you via postal service and you'll be required (usually) to immediately pick a new password upon first login.
>and not called wiring, not sure what in english though
SEPA Credit Transfer. Beginning next year banks will also test and deploy an instant transfer variant of this.
>Today mobile auth apps are taking over.
Mobile apps are indeed a lot more popular these days but a second factor is still employed.
SMS 2FA is being phased out (atleast in germany) and current alternatively are either having a list of TAN codes, optical TAN generator or a proper Card reader on your PC.
I think this is in large part due to, atleast in germany, banks being liable for all damages if they can't prove their system is reasonably secure. This makes some parts of account management a PITA since you need to show up at their local branch office but tbh, it's much better than the US.
Yup. An account reset requires a visit to the bank and you'll get the new password mailed to you via postal service and you'll be required (usually) to immediately pick a new password upon first login.
>and not called wiring, not sure what in english though
SEPA Credit Transfer. Beginning next year banks will also test and deploy an instant transfer variant of this.
>Today mobile auth apps are taking over.
Mobile apps are indeed a lot more popular these days but a second factor is still employed.
SMS 2FA is being phased out (atleast in germany) and current alternatively are either having a list of TAN codes, optical TAN generator or a proper Card reader on your PC.
I think this is in large part due to, atleast in germany, banks being liable for all damages if they can't prove their system is reasonably secure. This makes some parts of account management a PITA since you need to show up at their local branch office but tbh, it's much better than the US.