After a quick glance over the site, it seems the system is fairly open, and they explain how they use the keys. The part on which I'm not clear is the app: is it not possible to build your own app that complies with their various interfaces, which would run on, say, a PC? Those seem to be documented.
I doubt the bank will let me run an alternative app to their "tap 'yes' and type in your mobile PIN within the next 3 minutes to confirm the operation" functionality. Hell, after I broke my phone, I had to call the bank's support for them to manually authorize the new instance of their app as an "authorization tool". If there are procedures to do this with third-party software, I haven't heard or seen them mentioned anywhere, much less documented.
