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The paper card 2FA seems better than SMS 2FA or an app 2FA if you're relatively sure your physical security is good.

The card shouldn't cost money or could cost 50 yen which would be more than enough to cover printing it.

You're not vulnerable to SMS interception or phone malware. You're also not forced into Google's or Apple's walled gardens.

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There are plenty of TOTP 2FA apps that work across different platforms, open source ones too, it's just a couple dozen LoC for the core functionality.

I think GP meant "installing the bank's app as 2FA", not standard 2fa. I think the idea is that generally banks are resistant to and incompetent at technology, so a paper solution that avoids bad software decisions is laudable.



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