Even if there was a Proton-like way to reliably emulate Android software, you’ve still got the device attestation problem that means most major banking and security apps won’t work. And hardly anyone is going to either want to give up those apps or have to carry around a separate dedicated phone just for them.
I always hear people say stuff like this but realistically how often are you guys using these banking apps on your phone when that is your only option? I don’t even have any banking apps installed because it’s just not something I ever need to look at on the go. Anything I need to do gets done on a different device when I’m at home or I go to the actual bank building (I almost never do that either).
I’m not saying there’s no functionality problems with alternative mobile OS’s but this one in particular just seems overblown to me.
Are you talking about an NFC payment app like Google wallet? That’s not called a banking app in the US at least. A banking app is made by a bank and is essentially only used for checking account balances and transfers between accounts. Why can’t you use a credit card with an NFC chip in it?
In my area (southeast asia) we use “scan and pay” from our banking app.
Merchants will have a qr code printed for us to scan via our banking app.
they are trying to make the banking app into something like a wechat where you can do a bunch of stuff on it.
why can’t you use a credit card with an NFC chip in it?
for tap and pay, for some reason I don’t like to take out my wallet, fiddle and try to take out the plastic and make payment.
i use it for transit and shopping. I always worry about misplacing or dropping it. Paying / tapping is often a rushed interaction that happen in crowded place. Right now I bring 2 phones with me. My android daily driver phone and an iPhone. I installed all banking / payment apps on the iPhone. Even if i dropped or misplaced my iPhone, the tap and pay feature is still protected with a lock screen, which the credit card does not.
^ also i brought the iPhone because I rooted my android phone. I got tired fighting safety net every week to get the payment apps to work
I couldn’t agree more. People are like, “Oh I would totally use an alternative phone/OS and/or degoogle… but mah baaanking app!! I shall give up all security, privacy and lick corporate boots for my baaanking app!”
I have accounts with nearly a dozen banks. I have zero banking apps on my phone. It’s had zero impact on my life. Chase Bank needed a phone call to switch 2FA to another method. That was it. My phone’s browser works fine.
Even if there was a Proton-like way to reliably emulate Android software, you’ve still got the device attestation problem that means most major banking and security apps won’t work. And hardly anyone is going to either want to give up those apps or have to carry around a separate dedicated phone just for them.
I always hear people say stuff like this but realistically how often are you guys using these banking apps on your phone when that is your only option? I don’t even have any banking apps installed because it’s just not something I ever need to look at on the go. Anything I need to do gets done on a different device when I’m at home or I go to the actual bank building (I almost never do that either).
I’m not saying there’s no functionality problems with alternative mobile OS’s but this one in particular just seems overblown to me.
Huh? Frequently…? When i need to pay for food, drink, shopping, transfer money to my peers, etc.
Where I live is almost going cashless already. I don’t carry any cash with me.
luckily my banking app still works on Grapheneos now.
Are you talking about an NFC payment app like Google wallet? That’s not called a banking app in the US at least. A banking app is made by a bank and is essentially only used for checking account balances and transfers between accounts. Why can’t you use a credit card with an NFC chip in it?
In my area (southeast asia) we use “scan and pay” from our banking app. Merchants will have a qr code printed for us to scan via our banking app.
they are trying to make the banking app into something like a wechat where you can do a bunch of stuff on it.
for tap and pay, for some reason I don’t like to take out my wallet, fiddle and try to take out the plastic and make payment.
i use it for transit and shopping. I always worry about misplacing or dropping it. Paying / tapping is often a rushed interaction that happen in crowded place. Right now I bring 2 phones with me. My android daily driver phone and an iPhone. I installed all banking / payment apps on the iPhone. Even if i dropped or misplaced my iPhone, the tap and pay feature is still protected with a lock screen, which the credit card does not.
^ also i brought the iPhone because I rooted my android phone. I got tired fighting safety net every week to get the payment apps to work
Interesting, than you for sharing. It sounds like your use case is indeed very different from mine. Do what works for you
I couldn’t agree more. People are like, “Oh I would totally use an alternative phone/OS and/or degoogle… but mah baaanking app!! I shall give up all security, privacy and lick corporate boots for my baaanking app!”
I have accounts with nearly a dozen banks. I have zero banking apps on my phone. It’s had zero impact on my life. Chase Bank needed a phone call to switch 2FA to another method. That was it. My phone’s browser works fine.
YMMV in other countries.