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
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