<blockquote>
<p>Would those banks enforce that the banking app and the 2FA token generator are always on separate devices?</p>
</blockquote>
<p>This new framework, mandating 2-factors authentication, means that users need to prove their identity by two separate elements out of three:</p>
<p>Something they know (e.g., a PIN code or password)</p>
<p>Something they possess (e.g., a “trusted” mobile device, a card)</p>
<p>Something they are (i.e., biometrics such as fingerprints, a face scan)</p>

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