Re: 2fa choices
A lot of UK banks use your debit/credit card and a "card reader" gadget that allow them to send you a code (on web page) and you then answer with a hashed version that provides a means of checking its you and the amount you wish to transfer, etc
Ah yes, PinSentry.
Due to the wonders of chip and pin, this device is bloody handy, as it authenticates any chip and pin card, so next time you rob someone, you can be sure they gave you the right PIN without your attempts alerting authorities.