Intelligent is a euphemism for invasive.
~~Consumers~~ People who earn a living must have real choice in authentication options. It's unacceptable to freeze out open standards because an internal marketing projection suggests the bank will make a few dollars doing so. If I only want to employ login+passphrase+TOTP, that's my prerogative.
https://www.onthecommons.org/magazine/%e2%80%9cstealing-common-goose%e2%80%9d/