There is no known security in cell phone usage. I'm not kidding, you are suggesting the WORST KNOWN FORM OF SECURITY WE HAVE IN THE I.T. INDUSTRY. Why would you switch from something known to be secure, to the WORST KNOWN SYSTEM. It is a direct breach of your user policy. You can not force people in to third party negotiations nor contracts to access funds they already in to the account under different user requirements. They did not accept nor ask for the change and you are now demanding people buy a cell phone to access the funds they already put in the account. That is direct fraud and was called fraud by the supreme courts in America. It is straight up insane that you are doing this. Your help line workers suggest using someone else's cell phone when the issue of not owning one comes up. Great security. Lets tie the phone app on the phone itself to the security of transaction. THAT IS THE OPPOSITE OF SECURE.
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