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I had to replace a credit card yesterday. Part of the default flow involves the call center sending a notification to your app. When I told them my android vers

I had to replace a credit card yesterday. Part of the default flow involves the call center sending a notification to your app. When I told them my android version was too old, it took them twenty minutes to find out they could instead send a text message. That text message sends you to a photo-and-id verification service, but that's another issue. Soon, there won't even be an alternative flow. There are a lot of places where there already isn't.

georgeecollins 1mo ago
Are you sure? This seems like a forum with a lot of early adopters and a lot of late adopters still use browsers, email, text messages. Like, let me guess that your credit cars isn't capitol one. Not that it should be, but that would be more "normie".
- erinnh 1mo ago
  In Europe at least, most banks require IOS or Android. Even to login into the web Frontend.
  - fsflover 1mo ago
    There are quite a few people from Europe on HN saying that you can find banks not forcing the duopoly apps on you, in different countries.
    - erinnh 1mo ago
      You can. Thats why I said most. However at that point you'll likely pay for the privilege.
      - fsflover 1mo ago
        Yes, fighting for your rights is not easy.
  - fph 1mo ago
    "Most" seems quite inaccurate. There is a Graphene OS banking app compatibility database [here](https://github.com/PrivSec-dev/banking-apps-compat-report https://github.com/PrivSec-dev/banking-apps-compat-report); it is not easy to filter for European banks, but the [incompatible](https://github.com/PrivSec-dev/banking-apps-compat-report/issues?q=is%3Aissue%20label%3A%22incompatible%20%E2%9A%A0%22&page=1 https://github.com/PrivSec-dev/banking-apps-compat-report/is...) ones are less than 10% of the total [reports](https://github.com/PrivSec-dev/banking-apps-compat-report/issues?q=is%3Aissue%20label%3A%22app%20report%22 https://github.com/PrivSec-dev/banking-apps-compat-report/is...).
    - erinnh 1mo ago
      Im confused. Graphene is also Android. So yes, Graphene works, as long as the Bank is not extremely draconic with their security checks.
- inigyou 1mo ago
  Banks are quick to adopt anti-money-spending measures because it allows them to hold your money longer and because money that can't be spent can't be fraudulently spent which they'd have to reimburse you for.
- terribleperson 1mo ago
  It was literally capital one.

georgeecollins 1mo ago

Are you sure? This seems like a forum with a lot of early adopters and a lot of late adopters still use browsers, email, text messages. Like, let me guess that your credit cars isn't capitol one. Not that it should be, but that would be more "normie".

erinnh 1mo ago
In Europe at least, most banks require IOS or Android. Even to login into the web Frontend.
- fsflover 1mo ago
  There are quite a few people from Europe on HN saying that you can find banks not forcing the duopoly apps on you, in different countries.
  - erinnh 1mo ago
    You can. Thats why I said most. However at that point you'll likely pay for the privilege.
    - fsflover 1mo ago
      Yes, fighting for your rights is not easy.
- fph 1mo ago
  "Most" seems quite inaccurate. There is a Graphene OS banking app compatibility database [here](https://github.com/PrivSec-dev/banking-apps-compat-report https://github.com/PrivSec-dev/banking-apps-compat-report); it is not easy to filter for European banks, but the [incompatible](https://github.com/PrivSec-dev/banking-apps-compat-report/issues?q=is%3Aissue%20label%3A%22incompatible%20%E2%9A%A0%22&page=1 https://github.com/PrivSec-dev/banking-apps-compat-report/is...) ones are less than 10% of the total [reports](https://github.com/PrivSec-dev/banking-apps-compat-report/issues?q=is%3Aissue%20label%3A%22app%20report%22 https://github.com/PrivSec-dev/banking-apps-compat-report/is...).
  - erinnh 1mo ago
    Im confused. Graphene is also Android. So yes, Graphene works, as long as the Bank is not extremely draconic with their security checks.
inigyou 1mo ago
Banks are quick to adopt anti-money-spending measures because it allows them to hold your money longer and because money that can't be spent can't be fraudulently spent which they'd have to reimburse you for.
terribleperson 1mo ago
It was literally capital one.