Sparkasse Chemnitz decided that PIN/iTAN based authentication for bank transactions are obsolete. The new methods which are currently advertised as the "more secure alternatives" are chipTAN and smsTAN. Both are not known for their strong security and vendor specific implementations seemed to be even worse. The only acceptable solution for me is HBCI/FinTS using chipcards and a decent smart card reader with pinpad. At least this method was not yet dropped by them and I still hope that my application for it will be granted after 13 years (August 23 will be the anniversary).