4 ms·

What about banking or F2A?

zevon 4y ago
I'm curious: What's the use case for those two specific things? I personally don't even have a banking app installed on my phone - I use online banking and/or a desktop banking software. For 2FA, I have an OTP app installed that I simply open whenever I need to do 2FA.
- bambax 4y ago
  I used to not have a banking app too but my bank made me ;-( They started to require to type my own account password into websites to be able to pay via credit card! Incredible but true. As this was of course completely unacceptable I resisted for as long as I could. But at some point I had to use my credit card on a website with no other option (it was for a collective present, I couldn't select another website; I could not participate but that would have been incredibly rude and unkind). It's not too horrible though. The app is much less bad than I expected.
  - zevon 4y ago
    Do you mean the confirmation window that asks you to login with your online banking credentials after after putting in your credit card details in an online shop? The first time I saw that thing, I cringed as well and decided that I didn't really need whatever I was trying to buy at the time (I was lucky that there were no social factors invoved like in your case).
- was_a_dev 4y ago
  With banking, a lot of it is notifications when money is transacted on your account. One of my banks (Starling) is app only. Some F2A I've used only operate using notifications, which while is a bad design, requires notifications to work
  - zevon 4y ago
    Thanks for the reply - makes sense. Just in the interest of sharing (not trying to make an argument here): I tried the "app only" bank account thing and didn't like it. My "fancy fintech bank account" lasted less than a year before I closed it, I think. As for checking my balance and transfers, I only do that every few weeks when I fire up my desktop banking software in order to pull all bank statements and archive them away. I don't think I've ever come across a 2FA thing that was app only (if I did, I probably would just refuse to use the service).
bambax 4y ago
The text app has notifications enabled. The banking app doesn't, but I open it when I need it (which is, extremely rarely, now that many ecommerce websites allow wire transfers).
mprovost 4y ago
In IOS even if you disable notifications from unknown senders, when a TFA code arrives it still shows up for you to paste when you're in an app.

I'm curious: What's the use case for those two specific things? I personally don't even have a banking app installed on my phone - I use online banking and/or a desktop banking software. For 2FA, I have an OTP app installed that I simply open whenever I need to do 2FA.

bambax 4y ago
I used to not have a banking app too but my bank made me ;-( They started to require to type my own account password into websites to be able to pay via credit card! Incredible but true. As this was of course completely unacceptable I resisted for as long as I could. But at some point I had to use my credit card on a website with no other option (it was for a collective present, I couldn't select another website; I could not participate but that would have been incredibly rude and unkind). It's not too horrible though. The app is much less bad than I expected.
- zevon 4y ago
  Do you mean the confirmation window that asks you to login with your online banking credentials after after putting in your credit card details in an online shop? The first time I saw that thing, I cringed as well and decided that I didn't really need whatever I was trying to buy at the time (I was lucky that there were no social factors invoved like in your case).
was_a_dev 4y ago
With banking, a lot of it is notifications when money is transacted on your account. One of my banks (Starling) is app only. Some F2A I've used only operate using notifications, which while is a bad design, requires notifications to work
- zevon 4y ago
  Thanks for the reply - makes sense. Just in the interest of sharing (not trying to make an argument here): I tried the "app only" bank account thing and didn't like it. My "fancy fintech bank account" lasted less than a year before I closed it, I think. As for checking my balance and transfers, I only do that every few weeks when I fire up my desktop banking software in order to pull all bank statements and archive them away. I don't think I've ever come across a 2FA thing that was app only (if I did, I probably would just refuse to use the service).

bambax 4y ago

The text app has notifications enabled. The banking app doesn't, but I open it when I need it (which is, extremely rarely, now that many ecommerce websites allow wire transfers).

mprovost 4y ago

In IOS even if you disable notifications from unknown senders, when a TFA code arrives it still shows up for you to paste when you're in an app.