Nobody likes carrying an additional physical token around. Everyone will use SMS. Do not force your customers .to upgrade to Digital tokens unless you can integrate the token into the mobile and do verification by SMS for Digital Token or use NFS/QR Code for mobile payments That is moving into the future especially with Blockchain Technology.
Problem is ease of use. Present need to update SMS manually and still need to key in password in the banking app. It is a real challenge. I have seen a programmer in the US has managed to solve this problem by auto-updating the SMS password in the banking app. Until you hire a top notch programmer to do this, your adoption of Digital Tokens will be very low.
Contributed by Oogle.