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In some countries, authentication to a wide variety of non-bank services and payments is done through bank apps. The bank has done the work to verify who you ar
by TFNA 2mo ago
In some countries, authentication to a wide variety of non-bank services and payments is done through bank apps. The bank has done the work to verify who you are, so they conveniently serve as the proof of your identity to everyone else.
"Going to the bank"? Banks around here began to close physical branches well over a decade ago now, and visiting one of the remaining branches often requires a multi-hour wait in the queue, if not an appointment made many days in advance.
- righthand 2mo agoBut my point stands, do you need to do the type of banking that requires constant identification every day to the point where you need it always around it distracts you from what you’d like to be doing? If that’s true then the bank has completely captured you. Or leave your phone in your bag or at home and you shouldn’t have this issue. The “I need my phone for banking” excuse is a vague reason to keep using it. They don’t need their phone for banking, they want their phone and banking is a convenient reason to placate that want.
- TFNA 2mo agoAgain, we are not talking about banks or banking. In my country one's bank app functions as the strong authentication used to log in to all the other services where one has to prove one's identity. And yes, pretty much every day while I am on the go, I have to authenticate to some service or another.
- carlosjobim 2mo ago> In my country... It's not your country. It's the banks' country if they own it to the extent that they own your identity.
- righthand 2mo agoAgain YOU are choosing to live that lifestyle of on-the-go always phone-in-hand. The inability to stop using the phone while desiring to not do phone activities is not because of the banking/authentication.
- pseingatl 2mo agoPayment of any bill, any online purchase usually requires 2FA and a phone. No phone? No online bill payment or online purchases. Were it not so...
- righthand 2mo agoGreat, schedule your bills to be paid or start cancelling services if you simply cannot live a day without having to pay bills online. Sounds like living in excess then complaining about it.
- carlosjobim 2mo agoDo you need to bring your phone everywhere to pay your bills? Or can you leave it at home for paying your bills? That's what the original commenter is referring to, if I understood him.