2-factor madness

Sweden: Every single bank has 2-factor auth. Paypal does not offer 2-factor for Swedes.

UK: Not a single bank has 2-factor auth. Paypal offers three kinds of 2-factor for people in the UK.

(HSBC as the first UK bank (according to themselves) is rolling out 2-factor in about a month. 1995 called. They were watching Jurassic Park but paused it to congratulate you on copying their basic security measures)