Do you think banks are using attestation gratuitously? It helps prevent a lot of fraud. You are opposing something that saves people’s savings every day just because you think it takes “freedom” away from a few hobbyists. Do you even have a phone that does not support hardware attestation or is all this posturing about something hypothetical?
> Do you think banks are using attestation gratuitously?
What I'm claiming is that banks have the freedom of offering their customers 2FA other than smartphone apps.
> Do you even have a phone that does not support hardware attestation or is all this posturing about something hypothetical?
All the phones I own, including my daily driver, run some flavor of Debian. None of them support hardware attestation.
I'm in Europe, bound by PSD2, and own a couple of cheap, certified chip-and-TAN devices so I can do banking.
Can you show me examples where locking down an OS has prevented fraud in banking?
Honestly, if the only way to secure your banking system is by locking down users' devices, there is something really bad going on at your end, security-wise. Your system should be secure even without locking down user hardware.