

I’ve never encountered what you’re describing. There’s always other ways to authenticate than through a mobile app, at least from my experience, and I think I’ve used about a dozen different banks/credit unions over the past 15 or so years. Last credit union I cut ties with had ZERO MFA for their web portal, except on account creation. Like, no SMS, no email, nothing - just user+pass, and making sure you have the right background picture of the login screen you picked on account generation (like, a duck or a football or whatever). Completely ridiculous in 2025 (when I cancelled my account).
Regarding the OP, I think any new competition in this space right now is good, even if it ends up just being a triopoly vs a duopoly (fat chance with this thing but we can hope).
Ideally though we need an open protocol/standard that can be implemented through any manner of device software.





You’re being pretty stubborn about your positions but you’re misinformed/ignorant.
There are SO many Wi-Fi access points that aren’t routers, but a combo router is what most home users buy or get from their ISP. So that’s what you think is “most” when in reality the consumer market is dwarfed by commercial.
TP-Link has Omada which is not as enterprise as CISCO but it definitely supports small and medium sized businesses, which are at the greatest risk to vulnerabilities due to low IT department skills.