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

submitted 3 months ago by monovergent@lemmy.ml to c/privacy@lemmy.ml

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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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[-] radamant@lemmy.world 13 points 3 months ago

Depends on the country. I'm teaching in Thailand and here you can't do any banking through a browser. You can only use the bank's official app and you don't even have a login/password for it, you have to go to the bank and activate the app in person as a foreigner (I think Thai citizens can do it online but foreigners have to do it in person). Nobody takes actual cards for the payment and you pay everywhere by scanning QR codes which has to be done through the app. If you buy a new phone you have to activate the app again at the bank's office. It's really annoying and the reason I probably can't go with GrapheneOS or any other custom roms because the bank app is absolutely essential.

[-] EngineerGaming@feddit.nl 6 points 3 months ago

Is using cash impossible in daily life instead? It is hard to imagine for me that a smartphone may be outright required for daily life...

[-] radamant@lemmy.world 1 points 3 months ago

It's possible, just very inconvenient. You end up getting massive amounts of change that you have to lug around to spend.

[-] EngineerGaming@feddit.nl 2 points 3 months ago

Ah, nice to know. I personally consider this a fair tradeoff for freedom and lack of financial surveillance.

[-] reboot6675@sopuli.xyz 2 points 3 months ago

Oh yes this QR code bullshit drives me nuts back home too

this post was submitted on 08 Aug 2024

100 points (98.1% liked)

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