I am curious why our bank don't let us use the Authenticator app instead of OTP
since if using the authenticator app the code will change every 30 sec or 1 min
but don't have the inconvenience of need to wait for SMS to come in~

Although this does not solve the problem of losing one's smartphone but I cant imagine myself losing mine cause it is always going to be in my hand no matter what happen.. unless of cuz some accidents and what not.