Good news for EU citizens though, PSD3 will require that authentication methods without a smartphone are provided:

https://ec.europa.eu/commission/presscorner/detail/fr/qanda_...

Require payment services providers to ensure that all users can benefit from methods to perform SCA which are adapted to their needs and situations and, in particular, that those methods do not depend on one single technology, device or mechanism, for instance on the possession of a smartphone.