So
mTAN is that you would get a text on your phone when you purchase
Not my cup of tea, since I barely keep my phone handy/charged
TAN generators are little better than Security Cards, and are quite worthless
There are 3 types of security commonly used:
1. What you know(password etc)
2. what you have (keys etc)
3. Who you are (fingerprints etc)
Both mTAN and TAN are "what you have" security
personally I prefer "Who you are" security
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