Since the early 2000's, banks in Europe gave physical OTP devices. While somewhat inconvenient if you don't have it with you, I still liked it better than alternatives that are popping up lately:
SMS based authentication, an app that generates a code from a QR-like pattern displayed on your computer screen (neat but they didn't think of the case where the screen displaying the QR pattern would be the phone itself, or the fact that you're letting their app see what else is on your computer screen) and paper cards with a finite amount of numbers on them.
In fact I'd prefer TOTP as supported by authenticator as a better phone based alternative since it's standard and you can control if and how you want to securely back up the codes rather than have a plethora of different systems.
SMS based authentication, an app that generates a code from a QR-like pattern displayed on your computer screen (neat but they didn't think of the case where the screen displaying the QR pattern would be the phone itself, or the fact that you're letting their app see what else is on your computer screen) and paper cards with a finite amount of numbers on them.
In fact I'd prefer TOTP as supported by authenticator as a better phone based alternative since it's standard and you can control if and how you want to securely back up the codes rather than have a plethora of different systems.