Some Swiss banks use a non-digital authentication technic. They give you a card with scratch off spots. Every time you access your account you scratch off your card. This is just following a trend that some elite accounts and many banks have been using to add security account access or to VPN networks. The difference is that these systems are in addition to all of the original authentication techniques. For me, I can’t figure out why this is more secure if signing in with the fob can be bypassed. I suppose it is good if you aren’t using your computer to sign in.”]
Source: https://gizmodo.com/first-look-at-the-paypal-security-key-240783