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That’s all fine except SMS is the defacto method that most use for password resets, dual-factor, etc. This was mentioned in TFA.

What does one do about that?

I think it would be amazing if banks and financial institutions used iMessage but I can’t see it happen.



IME most SMS verification is bundled with some additional information submitted by the user (e.g. secret information, ID information).


All of which is pretty easily phished.




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