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> your internet bank

A proprietary scheme specific to that one bank.

> to your government services

Often: Using a signature. As in, pen on paper, stuck into an envelope or a fax machine (not a scanner and e-mail, oh no, has to be fax).

Government online services that do exist often have their own authentication scheme (each authority has a separate one), typically "we'll mail you an activation code" (snail mail of course) paired with SMS 2FA after the initial registration.



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