Should digital banks start switching to usernames?

Ang dami ng biktima ng mga scammers ngayon lalo sa digital banking. At mas nagiging expose tayo dahil na din sa technology advancement tulad na lang ng tinatawag nilang sim swap, etc. As we all know, mobile numbers are being recycled at hindi na mahirap ngayon to pick a number dahil kayang automated na—which most likely ginagawa ng mga fraudsters. With that, time na ba para palitan nila ang login from mobile number to a username? Will it make us “more” secure? I’m talking about account hijacking not on their card products.