Not really. There will also be online payments that don't require additional confirmation steps, based on your payment history, depending on: 

➤⠀payment behaviour;

➤⠀the sites where the payments were made;

➤⠀if they are recurring payments, i.e. subscriptions or small value payments.

This analysis can be carried out by the bank or the merchant.

For example, you pay bills month after month to the same supplier or you are a loyal shopper on a certain website where the merchant has defined a profile of you.

There will be continuous improvements to these analyses, so there will be more situations where you will not be required to log in strictly. 😃