[edent]

My bank sends me an alert when my card is used to make a transaction - handy for spotting fraud.

I get an alert when a payment comes it - handy for knowing if a client has paid.

I can quickly check my balance - handy for knowing if I can afford another round of drinks.

I can repay a friend in two taps - handy if they've paid for dinner.

Is anything essential? No. Is it something people use multiple times per day? Yes!

[Markoff]

I can get alerts in email or messages, no need dedicated app for that, I can track there also my balance, so only useful thing app provides are easy wire transfers from phone, which I never do, if I wanna transfer money is much more convenient work big display, proper keyboard and mouse than from phone.

[b00ty4breakfast]

We've cultivated a tech culture that can't stand the slightest inconvenience. People will give up nearly everything if it means avoiding the least bit of effort.

We are so boned

[j_maffe]

That's great for you but unfortunately the overwhelming majority of people do indeed regularly use these features.

[raw_anon_1111]

You actually check your email regularly? How much effort does it really take to transfer a balance on a phone?

For Bank Of America it’s:

1. Click on “pay & transfer”

2. Click on “transfer”

3. Click on “From” and choose account

4. click on “to” and choose account

Then type in the amount and and click on the date?

Is it really that much easier on a computer?

[toyg]

The overwhelming majority of the population of the developed world now considers the mobile phone as their primary (and often only) computing device. It's always with them, it's more accessible and intuitive than a laptop, and it's how they communicate with everyone. It doesn't matter if you prefer to do this or that on a "real" computer - most people would just do everything through the phone if they could.

It's surprising how we still see posts like these in 2026 on what should be a "future-friendly" forum.

[cantalopes]

"if I wanna transfer money is much more convenient work big display, proper keyboard and mouse than from phone"

You realize how ridiculous this sounds, right?

[firtoz]

Could all of these be handled through openbanking?

[xprnio]

Yes