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  3. ‘The tyranny of apps’: those without smartphones are unfairly penalised, say campaigners

‘The tyranny of apps’: those without smartphones are unfairly penalised, say campaigners

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  • Q [email protected]

    I don't know what Cashapp is but I'm going to take the risk and say it's a fintech that handles direct money services. How off am I?

    But I'm talking about a bank. The institution only exists through an app. Let's say you do a odd job and you get paid cash. You can't deposit that money: there is no place or way to do so.

    starman2112@sh.itjust.worksS This user is from outside of this forum
    starman2112@sh.itjust.worksS This user is from outside of this forum
    [email protected]
    wrote on last edited by
    #214

    fintech that handles direct money services

    Even more succinct and accurate than how I would have described it lol

    Cashapp is also sort of an entirely online pseudo bank. There are places that let you deposit and withdraw cash, but they're like two steps above Bitcoin ATMs

    I do know people who have these fully online banks though. It's so much worse than just using a credit union. Imagine having to pay to pull cash out of your bank account

    1 Reply Last reply
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    • M [email protected]

      I recently shared a meal with a female friend. Imagine how I'd look if I wasn't able to get money transferred from her, because of not having a mobile banking app.

      O This user is from outside of this forum
      O This user is from outside of this forum
      [email protected]
      wrote on last edited by
      #215

      Y'all not heard of cash?

      M 1 Reply Last reply
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      • D [email protected]

        I have no smartphone and am unable to access any of my college resources or email from home because you need a security app for remote login.
        I've got in trouble a few times for it but idk what I'm supposed to do. I wasn't able to access my Exam Timetable because of this and had to ask some friends when the exams were because my teachers didn't know (somehow). It's very annoying.

        T This user is from outside of this forum
        T This user is from outside of this forum
        [email protected]
        wrote on last edited by
        #216

        You could install an android emulator on your personal computer then run the authenticator from there.

        D flisty@mstdn.socialF K 3 Replies Last reply
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        • T [email protected]

          You could install an android emulator on your personal computer then run the authenticator from there.

          D This user is from outside of this forum
          D This user is from outside of this forum
          [email protected]
          wrote on last edited by
          #217

          The authenticator requires you to be in the college's network to set it up for the first time and I don't have a laptop.

          T 1 Reply Last reply
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          • T [email protected]

            You could install an android emulator on your personal computer then run the authenticator from there.

            flisty@mstdn.socialF This user is from outside of this forum
            flisty@mstdn.socialF This user is from outside of this forum
            [email protected]
            wrote on last edited by
            #218

            @toynbee @DeaDvey aren't there authenticators that run on desktop browsers? Or does it have to be a specific one

            T D 2 Replies Last reply
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            • D [email protected]

              The authenticator requires you to be in the college's network to set it up for the first time and I don't have a laptop.

              T This user is from outside of this forum
              T This user is from outside of this forum
              [email protected]
              wrote on last edited by
              #219

              Ah, that does complicate matters. Good luck.

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              • flisty@mstdn.socialF [email protected]

                @toynbee @DeaDvey aren't there authenticators that run on desktop browsers? Or does it have to be a specific one

                T This user is from outside of this forum
                T This user is from outside of this forum
                [email protected]
                wrote on last edited by
                #220

                The OC said in a different comment that you must be on the college network to set it up.

                You don't need to tag me, by the way; I get a notification if someone responds to me directly.

                flisty@mstdn.socialF 1 Reply Last reply
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                • T [email protected]

                  The OC said in a different comment that you must be on the college network to set it up.

                  You don't need to tag me, by the way; I get a notification if someone responds to me directly.

                  flisty@mstdn.socialF This user is from outside of this forum
                  flisty@mstdn.socialF This user is from outside of this forum
                  [email protected]
                  wrote on last edited by
                  #221

                  sorry, I'm viewing this from mastodon so the setup's different.

                  T 1 Reply Last reply
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                  • flisty@mstdn.socialF [email protected]

                    sorry, I'm viewing this from mastodon so the setup's different.

                    T This user is from outside of this forum
                    T This user is from outside of this forum
                    [email protected]
                    wrote on last edited by
                    #222

                    All good. Hope you have a great day!

                    1 Reply Last reply
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                    • flisty@mstdn.socialF [email protected]

                      @toynbee @DeaDvey aren't there authenticators that run on desktop browsers? Or does it have to be a specific one

                      D This user is from outside of this forum
                      D This user is from outside of this forum
                      [email protected]
                      wrote on last edited by
                      #223

                      Yes, it's a specific one. App only.

                      1 Reply Last reply
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                      • N [email protected]

                        comment unavailable

                        If you want to read this content, please download our app:
                        https://customblogs.vercel.app/download-our-app-please

                        Z This user is from outside of this forum
                        Z This user is from outside of this forum
                        [email protected]
                        wrote on last edited by
                        #224

                        Dang it!

                        I fell for it.

                        S 1 Reply Last reply
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                        • N [email protected]
                          This post did not contain any content.
                          N This user is from outside of this forum
                          N This user is from outside of this forum
                          [email protected]
                          wrote on last edited by
                          #225

                          I'm open to hear if you guys disagree with me, but that is not simply about not having a smartphone as much as it is about not having cell service, not using data service. If a person uses a libre VoIP app, there is no need for cell service, and people actually can live happy lives disconnected from internet when they are outside or in public.

                          Society must revert their mentality and not expect constant immediate access to everything. Absolutely nothing happens on the internet for personal activity that can't wait a few hours or the next day.

                          I use phone only for direct communication, zero multimedia, zero social media on phone. Everything else is done on computer. Especially banking, that is on computer website only for security, never on phone. I despise and resent using a phone for websites

                          icastfist@programming.devI K L 3 Replies Last reply
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                          • S [email protected]

                            If you do the calculation, the discount you get in the end is often just 1%. I don't really care about that 1%. You can get more, but the time you have to invest to get a better deal makes less money than just work an extra hour.

                            And some of those loyalty programs have expiring points, that happen to expire just before you get to the tier when things get interesting. And when you do save up to the food stuff you find out the app is a lot better at collecting loyalty points and doesn't work so great at exchanging them.

                            T This user is from outside of this forum
                            T This user is from outside of this forum
                            [email protected]
                            wrote on last edited by
                            #226

                            The main thing this article is talking about is supermarkets in the UK that lock all their sale offers behind the loyalty card. Until about a year or two ago, you could go in and buy things on sale or buy one get one free or whatever offer, and then use (or don't use) your loyalty card on top (to collect/spend points), but now you don't get any discounts if you don't have a loyalty card.

                            The article/campaigners are spinning this up into something about smartphones, because that's how most people use these loyalty schemes now, but they still have the old style cards so that's a bit of a red herring. The real issue is the way they're tying their standard offers to the loyalty program, and making it more difficult for consumers not to get caught out paying full price.

                            1 Reply Last reply
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                            • S [email protected]

                              They're not expensive at all.

                              A This user is from outside of this forum
                              A This user is from outside of this forum
                              [email protected]
                              wrote on last edited by
                              #227

                              Well, my old company sure made a ridiculous profit selling them. You may be looking at the cost per fob hardware, but not including the management cost. They are much more expensive than an authentication app, plus authentication apps are mostly managed by someone else, and you don’t have distribution overhead

                              S G 2 Replies Last reply
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                              • a_random_idiot@lemmy.worldA [email protected]

                                everyone wants to force you to use apps instead of websites, because websites and browsers have inbuilt protections.

                                Apps don't.

                                Idiots install apps, give them the 400,000 permissions they ask for, then go on their merry way..ignorant to the fact that they just installed a data vacuum on their phone thats siphoning everything off of it to be used and sold and resold for marketing purposes.. Even the phone itself its not safe, cause its sitting there, listening to your conversations, even when not on a call, to more "Accurately" spam you with bullshit.

                                tiger_man_@lemmy.blahaj.zoneT This user is from outside of this forum
                                tiger_man_@lemmy.blahaj.zoneT This user is from outside of this forum
                                [email protected]
                                wrote on last edited by
                                #228

                                This is why I install such shit only if i have to, and only on vm

                                1 Reply Last reply
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                                • A [email protected]

                                  Well, my old company sure made a ridiculous profit selling them. You may be looking at the cost per fob hardware, but not including the management cost. They are much more expensive than an authentication app, plus authentication apps are mostly managed by someone else, and you don’t have distribution overhead

                                  S This user is from outside of this forum
                                  S This user is from outside of this forum
                                  [email protected]
                                  wrote on last edited by
                                  #229

                                  In my experience, the only thing that really made them more difficult than managing end users who were using an authentication app instead was having to facilitate getting the fob to the users and replacing them occasionally and they were dirt cheap... Like less than $5 apiece.

                                  1 Reply Last reply
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                                  • B [email protected]

                                    My Kia Sportage PHEV came with a "Kia Connect" app. There is a monthly charge but I get first 3 years for free. It's got some sort of useful things but I don't really use it much anymore. More likely than not I won't bother to pay for it when the free years are up.

                                    B This user is from outside of this forum
                                    B This user is from outside of this forum
                                    [email protected]
                                    wrote on last edited by
                                    #230

                                    Understandable. In Germany it isn’t customary to have an AC, but I got one. It’s from Mitsubishi and has some cloud remote control app thing. I mean, ok, controlling the temperature from not home is maybe useful, but I haven’t and will never use it. I just set the Temperature and go on Auto mode…

                                    1 Reply Last reply
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                                    • A [email protected]

                                      Phones are not listening and if you have proof post it. No security researcher has ever posted this.

                                      a_random_idiot@lemmy.worldA This user is from outside of this forum
                                      a_random_idiot@lemmy.worldA This user is from outside of this forum
                                      [email protected]
                                      wrote on last edited by
                                      #231

                                      yeah yeah, people said the same thing about google home and amazon alexa for years.. until data leaks proved that was a lie, too.

                                      1 Reply Last reply
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                                      • Z [email protected]

                                        Dang it!

                                        I fell for it.

                                        S This user is from outside of this forum
                                        S This user is from outside of this forum
                                        [email protected]
                                        wrote on last edited by
                                        #232

                                        Dear reader,

                                        The link is, indeed, a redirect to Never Gonna Give You Up

                                        myedition8@lemmy.worldM 1 Reply Last reply
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                                        • S [email protected]

                                          That's exactly it. Easy to block ads and trackers on a website, but more difficult or impossible on some apps.

                                          One of the banking apps won't show the total balance of the account unless I'm using the app. How ridiculous.

                                          S This user is from outside of this forum
                                          S This user is from outside of this forum
                                          [email protected]
                                          wrote on last edited by
                                          #233

                                          They know that a lot of people would rather have it work a little better by getting an app, if they keep reminding people it's an option.

                                          Even if "better" is just lack of nags.

                                          It's sad. We need a digital privacy law so that an app can't be more invasive than the website.

                                          S 1 Reply Last reply
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