My bank issues a fido device: a card scanner with a built in camera that reads qr codes. Excellent tool, but for a few years now the bank is actively discouraging its use, touting the benefits of apps instead. It costs them around 60 euro to issue the device, and, sadly, thats incentive enough to advocate less secure solutions. When they take it away from me, I am out of options as this is the last bank in my country that issues them to individuals :-/