The challenge for banks and other financial services providers is how to strike the right balance between security and providing a great user experience.
https://www.forbes.com/sites/renehendrikse/2019/01/23/finding-the-right-mix-of-security-and-user-experience/
With new technologies, you can minimize consumer confusion by designing systems around those who are the least tech-savvy. Then, instead of technology being intimidating or irritating, you'll have world-class solutions that please everyone — from Millennials to Boomers.
https://thefinancialbrand.com/77723/digital-first-banking-technology-ux-usability/