I previously used Citibank credit cards. Now they come under UOB. I must say UOB is more secured, but to the point of being troublesome.

OTP is 8 digits, instead of 6 digits as in other other banks.
I can memorize a 6-digit OTP. But for 8 digits, I need to write down on paper

Also, when I try to view my statements on PC, I need to approve it on mobile app.