My late mom couldn't receive the verification SMS from her bank. After investigation, it appeared it was actually an MMS that required a smartphone.

She could still go to her bank counter but service there degraded considerably for everyday things, and she was always told to do things online.

In the end the bank rep was kind enough to give her an old smartphone. But, for her, it sucked because it was much more complicated, had to be charged constantly and so on...

As a technologist, it is eye opening to do the tech support of loved ones...