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this post was submitted on 14 Oct 2025
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Technology
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In my country we have an phone number based instant money transfer protocol called Bizum, everyone uses it. When you go out eating, one pays with your phone via NFC then everyone bizums the payer with their part. It's something I use almost every time I go out.
Bizum is a protocol that's implemented in the app of the banks themselves, so I kinda do need the app, I'm not going to go into the phone browser to go into the app web to do a transfer of 14.5€ that will then shocker ask me to verify the transfer via the app. Even if the verification was a SMS nonce code that would be incredibly annoying compared to what we already have.
So yeah, people are hung up on banking apps because they kinda do need them with them.