I would not be able to log into _any_ local banking website without the government 2fa app. Not sure what the alternative is. Maybe they can give you an old school hardware device.

Or read the digital letters from government / municipalities.

Also I like my banking app.

> Not sure what the alternative is.

In your country? I'm not sure either.

In general? Slovenian government allows authentication via

- TLS client certificates,

- three different third party identity providers,

- ID card via a card reader

- .. or via NFC through a smartphone, and

- SMS OTP.

People who don't or don't want to use a smartphone shouldn't be barred from online government services or forced into a costly and slow authentication scheme when there's numerous better options.