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I haven't delved much into TOTP, because I've yet to log into any sites
that use it, but it might be more secure than 2FA.
https://en.wikipedia.org/wiki/Time-based_one-time_password
My bank did add TOTP by letting their customers using the Authy app.
Alas, Authy discontinued their desktop (Windows) client leaving only
their mobile apps. Yet I don't do banking on my phone, only on my
desktop PC. So, Authy yanked their desktop client, can't use it anymore
with my bank, so I'm stuck with them sending the 2FA code to my Google
Voice phone number which forwards to me via e-mail. Obviously I can't
get texts on my desktop PC (it has no cellular service), and I'm not
running around the house to find my smartphones to power them up and
wait to get a 2FA code via SMS that I have to manually copy into the 2FA
form in the web browser on my desktop PC. At the server, 2FA codes
expire, so it could take me longer to use a phone with SMS than it took
to use Authy on my desktop where I was trying to login.
There are other TOTP desktop clients, but I don't know which will work
with my bank. They list only a couple TOTP clients, one of which is the
Symantec client that is geared to enterprise users. They don't list
other TOTP clients, like Google or Microsoft Authenticator.
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