[finaard]

I guess you can still do banking on your PC?

I stopped using banking apps on my phones a few years ago - they got more and more annoying, and I don't buy into the "the device is secure and should be used as a trust token". So I'm now back to banking only on my computer, with a hardware token for TAN generation.

[fph]

Hardware tokens are not allowed in Europe to authorize certain operations such as bank transfers: you need a device that can show the operation you are about to authorize ("enter 123456 to confirm your payment of 99.99 € to Pornhub"). And that essentially means using a phone.

[layer8]

Maybe it’s country-specific, but most banks I know support a card reader or photoTAN device. You don’t need to use a phone.

[WhyNotHugo]

I’ve seen dedicated hardware devices which scan a QR-like code and show this in a little screen of their own. The bank provides them and does not require any app.

I only know of a single bank using this.

[finaard]

I'm in Europe, and some of my banks still operate with a token just showing numbers, while others use devices with QR code readers and a colour display which then can show transaction details.

They don't really like you using that and keep annoying you to stop doing that, but I don't think they'll fully get rid of that - those are filling some accessibility niches as well.

[rsync]

Is this true?

The old, standard RSA number generator token key ring device is not permitted in Europe for authorizing bank actions ?

[guax]

I am in europe and my bank issued me a hardware token I still need to use from time to time.

[phantom784]

That probably means giving up the ability to mobile deposit checks - every bank I've ever had only allows that through their app.

[ErroneousBosh]

What's a mobile deposit and why do you need an app to check it?

[MarsIronPI]

Personally, I'm OK with that tradeoff. I live close to my bank, so going to deposit in person isn't a problem for me.

[EvanAnderson]

Hyperbolic take - There won't be PCs, as we know them, for too much longer (both by way of being made into walled garden phone-like "appliances" by software, and by the hardware becoming unavailable).

[Alex2037]

yeah. Americans are one media campaign away from having to argue for their right to possess fully semiautomatic general purpose computers with high capacity peripherals. Europeans and the rest of the collective West won't even get such courtesy, their young global leaders don't need to justify their actions to the unwashed masses.

all they really need to do is to make the Internet inaccessible from any device except the castrated thin clients that our computers are doomed to be replaced with. and that can be done trivially.

[fuzzzerd]

I hate that future so much, but I don't know what to do to avoid it. My sole choice to bank on pc and use it as a pc will not be considered by the product people making the choice to go smart phone app only.

I'm essentially along for the ride because the masses will gobble it up.