This case I was on the bank text support requesting to make a transaction of $100,000 in one go which the app would not let me do. So it was a real person on the other side. Bank was in Australia called Up.
This sounds like a good thing. An extra step in a $100,000 transaction to prevent accidents or crimes definitely feels justified if the accounts not marked as normally moving heaps of money like a billionaire or something.
And, if you are willing to share, what country/bank?