der.hans at 2016-07-22T21:05:54Z

His previous article nailed it, "A more likely reason why it has become popular amongst some firms is that many lenders want to ensure they have mobile phone numbers to contact customers"

It would have been good for him to note that Google Authenticator can use shared keys rather than SMS.

He should watch my online account management presentation :)

SMS often fails the dead zone test for me.