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Agreed. Banking is the killer app imo

XorNot 9d ago
In Australia it's pretty great: my driver's license can be provided by an app on my phone and legally must be accepted if it is. So between that and NFC payment support, a phone is the only thing I need to remember to operate outside the house.
- jolmg 9d ago
  It's pretty great as long as it doesn't evolve into them no longer printing the cards and requiring use of their app, consequently on one of their approved OSes.
  - XorNot 9d ago
    I mean yes but that is a case of the slippery slope fallacy: the existence of a future possible decision does not affect whether a current decision is a good one. If they try to move in that direction, we can protest it then. Denying ourselves a useful capability now doesn't stop it from happening anyway, nor make it more likely.
    - dotancohen 9d ago
      When a pattern is repeated many times, it is not a fallacy to recognize that pattern at the begining. If I see a tiger crotched in the bushes, is it a fallacy to gather my children and head back to the cave? Pattern recognition is not a fallacy.
      - XorNot 9d ago
        When has this happened before? Presumably you have several examples near to hand since it's "a pattern".
        dotancohen 9d ago
        I personally live in a country with a large religious population that rejects the smartphone, so thankfully I personally have not encountered a situation where needing a smartphone is vital. However we've seen many people right here on HN mention how some specific vital service - often government or banking - does require a smartphone.
        XorNot 8d ago
        So you can't even remember or point to any specific example of the problem you claim exists, existing.
        dotancohen 8d ago
        In my HN Threads feed, the very next item is another HN user mentioning how they have difficulty paying for parking spaces without a smart phone, from this very page. Search "and sadly accept the cost of our principles" on this page to find it. But I have no interest in winning internet arguments. You win, the cookie isn't worth it to me.
        deleted 7d ago
        [deleted]
- rplnt 9d ago
  Or you could just take cash, as long as you don't need to drive.
mmooss 9d ago
For what purpose? If you have a debit card, cash app, etc., what urgent need is there for a banking application?
- deleted 9d ago
  [deleted]
- rezonant 9d ago
  Uh... Cash App is a banking application.
  - TomGarden 9d ago
    Yeah. People get confused because they're not a bank, but they offer banking services (as a middleman)
- abc123abc123 9d ago
  Pay monthly bills?
mapontosevenths 9d ago
Switch to a bank that has a website. If they can't do online banking in 2026 your bank might actually just be some guy in a monopoly man Halloween costume.
- deleted 9d ago
  [deleted]
- Moldoteck 7d ago
  I don't like website interfaces. Good to have them, but apps are more convenient

In Australia it's pretty great: my driver's license can be provided by an app on my phone and legally must be accepted if it is. So between that and NFC payment support, a phone is the only thing I need to remember to operate outside the house.

jolmg 9d ago
It's pretty great as long as it doesn't evolve into them no longer printing the cards and requiring use of their app, consequently on one of their approved OSes.
- XorNot 9d ago
  I mean yes but that is a case of the slippery slope fallacy: the existence of a future possible decision does not affect whether a current decision is a good one. If they try to move in that direction, we can protest it then. Denying ourselves a useful capability now doesn't stop it from happening anyway, nor make it more likely.
  - dotancohen 9d ago
    When a pattern is repeated many times, it is not a fallacy to recognize that pattern at the begining. If I see a tiger crotched in the bushes, is it a fallacy to gather my children and head back to the cave? Pattern recognition is not a fallacy.
    - XorNot 9d ago
      When has this happened before? Presumably you have several examples near to hand since it's "a pattern".
      - dotancohen 9d ago
        I personally live in a country with a large religious population that rejects the smartphone, so thankfully I personally have not encountered a situation where needing a smartphone is vital. However we've seen many people right here on HN mention how some specific vital service - often government or banking - does require a smartphone.
        XorNot 8d ago
        So you can't even remember or point to any specific example of the problem you claim exists, existing.
        dotancohen 8d ago
        In my HN Threads feed, the very next item is another HN user mentioning how they have difficulty paying for parking spaces without a smart phone, from this very page. Search "and sadly accept the cost of our principles" on this page to find it. But I have no interest in winning internet arguments. You win, the cookie isn't worth it to me.
        deleted 7d ago
        [deleted]
rplnt 9d ago
Or you could just take cash, as long as you don't need to drive.

mmooss 9d ago

For what purpose? If you have a debit card, cash app, etc., what urgent need is there for a banking application?

deleted 9d ago
[deleted]
rezonant 9d ago
Uh... Cash App is a banking application.
- TomGarden 9d ago
  Yeah. People get confused because they're not a bank, but they offer banking services (as a middleman)
abc123abc123 9d ago
Pay monthly bills?

mapontosevenths 9d ago

Switch to a bank that has a website. If they can't do online banking in 2026 your bank might actually just be some guy in a monopoly man Halloween costume.

deleted 9d ago
[deleted]
Moldoteck 7d ago
I don't like website interfaces. Good to have them, but apps are more convenient