What kind of risk profile does one have when it is likely that both the password is known and malware has been installed on the phone, but also just access to an ephemeral login session by the attacker (which could be obtained even when using a secure enclave by waiting for the user to authenticate by themselves) would not be enough?
This is the exact same as DigiD, except that there is no cost per-auth, only per-sms.
The parent comment is saying that Amsterdam wanted the users to install the DigiD app instead of relying on SMS authentication.
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