Banking systems in Baltic countries use a unified 2FA system called SmartID[0]. When authenticating to bank via phone, they ask for two things: your user ID (which is not secret), and to authenticate using Smart ID, which means entering a PIN on your phone.
However, each PIN entry is accompanied by "code check": bank's support person says their 4 digit code, and you can verify that it matches on request for PIN screen. This neatly prevents someone pretending to be a bank during a call, because each PIN request uses a different "code check".
However, each PIN entry is accompanied by "code check": bank's support person says their 4 digit code, and you can verify that it matches on request for PIN screen. This neatly prevents someone pretending to be a bank during a call, because each PIN request uses a different "code check".
[0]: https://www.smart-id.com