55
Towards a Sovereign Mobile Stack (modal.cx)
submitted 8 months ago by to c/linux@lemmy.ml
9 comments fedilink hide all child comments
you are viewing a single comment's thread
view the rest of the comments
[–] 2 points 8 months ago (2 children)

They pretty much all do and the Web apps typically can do everything, from account status to transfers, etc.

Unfortunately... most of those require the native app for login. Also more and more online websites, even on desktop, do mobile payment (e.g. QRcode scanning) as an efficient way.

So without the native app, no convenient login (if any, some still have physical card + card reader as fallback) nor convenient payments.

  • permalink
  • fedilink
  • source
  • parent
  • hideshow 2 child comments
    •
  • [–] 1 point 8 months ago (1 child)

    I don't believe my bank allows NFC payments or camera depositing cheques using the web app. I never use my bank card to pay anyway (not as protected as credit cards), so I don't really know much about NFC payments by phone. I don't think there are any significant technical barriers preventing them from implementing camera-based cheque depositing online, at least. I could live without that anyway... I get like 5 cheques a year?

    I imagine NFC payments might have technical requirements that prevent a web app front end. They also might require more protection than just loading a website, but idk. We can already e-transfer once we're logged in, so I'm not sure why NFC would need extra protection. But the cards they mail you has NFC payments built in, anyway, so I don't get why this would be a deal breaker. It's a minor inconvenience to get a bank-/credit-card phone case.

  • permalink
  • fedilink
  • source
  • parent
  • hideshow 1 child comment
    •
  • [–] 1 point 8 months ago

    In Belgium (and quite a few other European countries) you can do payments via QR-codes on the phone in addition to NFC with phone, watches, or with credit cards and debit cards. This works with face-to-face points of sales, private and professionals other mobile phones and online Websites (which can also use a link to open the banking app itself). There are no more cheques in Belgium.

  • permalink
  • fedilink
  • source
  • parent