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Europe is doing so well regarding Linux smartphones
(lemmy.world)
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Main issue is that the two-factor authenticator app is usually only available for Android/iOS (some are still supporting SMS, but they are trying to phase that out)
Their web app now actually works almost stand-alone. And as projects like yowsup have shown, it's also possible to create your own stand-alone WhatsApp client (it's only a matter of doing the work).
Oh yeah... My main bank still uses SMS. But yeah on of my secondary banks has an app notification two factor thingy... But the SMS is still there as fall back. But true that if they end up removing that it could be a problem yes.
And good to know about the WhatsApp thing thanks for sharing.