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+1 for two factor authentication, while keeping it an "opt in" choice for the user. The SMS security is about at the limit of my 79 year old mother, anything beyond that if enforced would cause her to throw in the towel for online banking. Otherwise, Authy, Duo, and Google Authenticator have my vote, with hardware options such as Yubikey for the more tech saavy. I use 2FA wherever available, and the applications which provide this functionality have come a long way in making it easy for the user to set up.
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