Privacy

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A place to discuss privacy and freedom in the digital world.

Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.

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How crucial are banking apps? Your experience with them vs. browser banking? (lemmy.ml)

submitted 2 months ago by monovergent@lemmy.ml to c/privacy@lemmy.ml

69 comments fedilink hide all child comments

Banking apps seem to be a motif among things that don't play well with privacy ROMs. My bank's website does everything I could want out of it. I think I might be ignorant to something.

What about banking apps is especially compelling?
How often do banks put must-have features behind an app?
And should I be concerned that banks might move away from offering services through browsers?

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[–] Grippler@feddit.dk 17 points 2 months ago (1 children)

It's a must for me. My phone is my primary day-to-day computer, so I need to be able to so everything from that. Unfortunately that is also why I'm not using graphene OS, because our government 2FA system doesn't work in graphene OS (even with play services installed) so it's impossible to do anything. I can't check anything WRT banking, schools, taxes, daycare, doctors appointments, hospital record or change anything that requires the involvement of city hall, including checking digital mail from the municipality or government. It's basically not possible to function in our society without it.

[–] CrypticCoffee@lemmy.ml 4 points 2 months ago (2 children)

Out of curiosity, what do older citizens do? Like those in their 80s? Many here do not have a smart phone or mobile.

[–] Grippler@feddit.dk 7 points 2 months ago* (last edited 2 months ago) (1 children)

For banking and other official business, they have to go physically. If their bank has no physical department near them well then it sucks to be them. For digital mail you can apply for exemption and you will get physical letters.

You can order a digital code generator so you don't need the app if you still want 2FA for digital handling. But I don't want to have to carry that with me it would be a significant inconvenience for me.

[–] CrypticCoffee@lemmy.ml 3 points 2 months ago (1 children)

Wow, that is pretty hostile to the elderly.

[–] Grippler@feddit.dk 3 points 2 months ago* (last edited 2 months ago)

I mean, it's been 15+ years since smartphones hit the market as a regular device, so those people where only in their mid/late 60's when that transition happened. And there are solutions in place for both digital access without smartphone and physical only access. I'm not sure I see how that is hostile to elderly or people that can't/won't use a smartphone or insist on physical access. Obviously physical access is going to be a hassle, that's why it's not the default anymore.

[–] winkerjadams@lemmy.dbzer0.com 4 points 2 months ago (1 children)

Go to the bank in person

[–] CrypticCoffee@lemmy.ml 4 points 2 months ago

Wow, that is pretty hostile to the elderly. Imagine those who struggle to get about? Excluding them from society.