When shopping online on a pc I like the extra security layer where you have to complete the transaction by entering your PIN number on your phone. Recently though this hasn’t happened. Does it only check certain transactions? The last one was £55 and it wasn’t checked.
It’s dependent on the merchant (the person you’re buying from).
Monzo unfortunately can’t add this extra step for all transactions that don’t require 3D Secure as there are only milliseconds for Monzo to approve the transaction. 
However, I do think this will become more commonplace in the future. This BBC article today is somewhat relevant: https://www.bbc.co.uk/news/business-46399707
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Ah, the PSD2 Strong Customer Authentication makes an appearance 
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