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[–] 75 points 2 months ago* (4 children)
  • be me
  • want to be able earn and spend money
  • need bank account
  • online banking is only option
  • mandatory usage of the bank's proprietary mobile app for 2FA
  • bank blocks evil hacker tools such as GrapheneOS
  • app only available for Android or iOS
  • Google and Apple can terminate your ability to use any smartphone for any reason

Guys are we really at the whim of just two unregulated private corporations?

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  • [–] 5 points 2 months ago (2 children)

    Why is online banking the only option?

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  • [–] 17 points 2 months ago (1 child)

    Because banks decided it's cheaper to do an app than to pay for people available in branches.

    So the same operation is 2mins on the app, or 10mins driving to the nearest branch (YMMV), 20mins waiting in line (YMMV), 5mins to get it done, 10mins to go back.

    Oh, you also have the option to wait for 1h on the phone...

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  • [–] 9 points 2 months ago (1 child)

    It's not, but it's much easier than visiting a branch or spending hours waiting on the phone to speak to someone who doesn't have great English.

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  • [–] 6 points 2 months ago* (1 child)

    Or you could just bank from a web browser on a cheap laptop. Or use a cheap burner phone for banking only, separate from your everyday phone.

    I have a few bank accounts and none of them force the app for 2FA. They can also use text or even an email address.

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