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With banks, typically a combination of your account number, pin and some confirmation code sent via email or SMS. And of course unregistering your previous device. Not sure where you're going with this though?
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I am just pointing out that you are essentially saying passkeys can be phished because banks can allow phishable credentials to bypass passkeys.
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I never said that passkeys can be phished, I said they don't solve this problem, but yeah. Locking the front door while leaving the back door wide open, as they say. But unless you can convince people to go into the bank counter every time they change their phone, that's life.
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