This is the second comment I see where you write "no it isn't", without providing a source for your statement. Then you follow it by asking for a source. So is there a source you can provide to back up your statement?
I really want to leave the Google and Apple Ecosystems, but I still need "these" Banking Apps. Some Banks don't even offer a Web based experience anymore.
I tried repeatedly with several credit unions, with poor results. The final straw was the patelco hack that made the entire bank unavailable for over a week. In the aftermath they implanted crazy security measures where talking to a rep required 6 layers of increasingly invasive authentication. But... The hack was of the bank infrastructure. It had nothing to do with individualized fraud, all accounts were affected --it was just security theater. I went back to a major bank after that.
While Sparkasse and Volksbank in Germany aren't the most ideal banks cost- and interest-wise, they do still offer transaction authentication via debit card, without the need for any smartphone.
Yes. I need to pay someone. Get notified when my credit card is used. If any important banking communication happened. What do I do with a phone without: banking, uber, messenger like app, ? Same as holding a piece of a rock. Useless.
How did we do it before phones? Instant online payment is nice but rarely a requirement. Most times we split a bill with friends in a restaurant we agree on paying someone but although we technically could we don't all grab our phone at the exact moment, preferring enjoying the real social conversations we have. We tend to pay them later, and that later is more often than not at home and when I do a swift transfer to someone I'd rather have my complete laptop screen anyway to verify the banking data.
As for Uber and messaging, you are moving the goalpost.
uber still worked from the webpage last time I checked.
..sure? I don't personally care what either enforces, since I'm in neither jurisdiction. I wouldn't have thought the US is any more (or even as) likely to personally, but sure. I said Brussels because comment I replied to said EU.
EU botched even API requirements on banks. We could have had open API to every EU bank, but nope, it must have been some bullshit for big companies to slurp data en-masse, instead of API for end users to use their data privately and comfortably from whatever app they wanted, incl. their own.
Open/individually accessible APIs would have to have be a movement, like the one with open formats for interacting with eGov.
We even had open APIs for every bank in Germany, in the form of HBCI and FinTS. With fancy things like optional RSA smartcard auth. The EU killed it all in the name of "omg, security!" (a total bullshit argument if you've ever looked at the specs), now with the new PSD2 the only ones getting proper API access are lots of shady payment providers, credit databases, data brokers and the like...
Not sure why this is getting downvoted (or why IE6 is being brought up in 2026). But yes, banks are super-highly regulated and for good reason. They’re subject to all sorts of accessibility laws, there’s loads of precedent here.
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