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I don’t know about the US but on this side of the pond banks have their own 2nd factor apps. So to log in to a bank’s website you need an app - quite probably with play integrity.
Dang. Y’all need to pick better credit unions. MFA rolling token is an open standard. Any single app can support all of my (correctly implemented) tokens. I prefer Aegis, but they (correctly implemented MFA apps) all work.
I don’t want to trust my money to someone who can’t implement standards compliant MFA.
I’ve been using a dedicated TAN generator for banking since I first made my account but I don’t doubt that’s going away at some point, since debit cards from the same bank already require an app for 3-D secure.
No, hardware TAN generator work fine. If the bank wants to force me to use proprietary snake oil it’s time for a new bank. Or using a dedicated old smartphone just for the app.
Banks use their app to generate the otp and they reinvented the wheel so if you want to login you need to install it, can’t use a generic authenticator. I am not aware of any single bank in the EU that allows the use of generic authenticators.
For McDonald’s, using the app gives at least 50% off. A menu in the app costs 5 euro while on the store kiosk costs 12 euro. I do not personally care because I find their food to be just barely edible, but I understand why there’s a need to install the app
Counterpoint: I use the McDonald’s app where it belongs - on a giant greasy ordering kiosk.
But seriously, banks have websites. Everyone and everything has a website.
I don’t need Android apps at the cost of my privacy or at the cost of control of my devices.
I use GrapheneOS as my only phone, and I have done so for years.
Whatever the topic, I don’t need an app for that.
I don’t know about the US but on this side of the pond banks have their own 2nd factor apps. So to log in to a bank’s website you need an app - quite probably with play integrity.
Dang. Y’all need to pick better credit unions. MFA rolling token is an open standard. Any single app can support all of my (correctly implemented) tokens. I prefer Aegis, but they (correctly implemented MFA apps) all work.
I don’t want to trust my money to someone who can’t implement standards compliant MFA.
That would scare the daylights out of me.
In America, we’re lucky if our bank supports 2fa, let alone require an app for it
That’s insane, I have never heard of such a thing, but I’m in the US where most banks don’t even have non-sms second factor.
I’ve been using a dedicated TAN generator for banking since I first made my account but I don’t doubt that’s going away at some point, since debit cards from the same bank already require an app for 3-D secure.
No, hardware TAN generator work fine. If the bank wants to force me to use proprietary snake oil it’s time for a new bank. Or using a dedicated old smartphone just for the app.
Counter-counterpoint:
Banks use their app to generate the otp and they reinvented the wheel so if you want to login you need to install it, can’t use a generic authenticator. I am not aware of any single bank in the EU that allows the use of generic authenticators.
For McDonald’s, using the app gives at least 50% off. A menu in the app costs 5 euro while on the store kiosk costs 12 euro. I do not personally care because I find their food to be just barely edible, but I understand why there’s a need to install the app
Some people have no smartphone at all. How can they be customers at your bank?
They physically go there in person.
That’s still a thing.
Damn… The two extremes of the cyberpunk dystopia: no tech at all vs tech slavery.
Pay a fee of 0.30€ to receive the otp via SMS every time they want to login without the proprietary otp app and 0.30€ for each payment to authorize
Fucking hell, y’all make me realize how lucky I am with my bank that runs without gapps.