Would it be possible to implement PSD2 online purchase approval within the app (as Monzo do)? On the 29th, I tried to make a purchase (at 16:19 and again tried at 16:42), but the text messages took so long to come through the code had expired! (IIRC, the purchase transaction expired at the merchant’s end). I eventually had to make the purchase via another card.
It would also be nice to have a list of “Approval requests” in the app to help highlight attempted fraud.