this post was submitted on 14 Aug 2025
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Privacy
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Why not just access your financial institutions in a web browser?
That was an inconvenience, but one I could make if it was the only issue. It was more the total accumulation of things. My 2FA app pulling support for "unsigned" operating systems coupled with missing work texts due to RCS failure were the main straws to break the camel's back. Having to find an alternative and then manually change all 2FA was almost a deal breaker in itself. That played into using a web browser for my financial institution access.
Work texts go to the work phone. Work 2FA also on work phone. I use a hardware TAN generator for web banking.
My work 2FA is physical token based, it is my personal 2FA that causing me problems. Email and text authentication is insecure enough that I try and use a software authenticator whenever possible.
Great point about the work phone. I don't want a work phone as I don't have any desire to be reachable 24/7 outside of the rotating week I'm on call, but if I was expected to have email and Teams and everything on my phone I would definitely require one. Thankfully my work texts are all for team updates, heads up about issues, scheduling matters, etc, but I still consider those to be important while not riding to a separate work phone
Missing texts is definitely a deal breaker. I hate how RCS was championed as the "open" protocol and yet only google and samsung are able to implement it.. we were lied to. Or i feel lied to idk i thought it was an open knowledge spec when we were hearing about forcing apple to support it.
There is always a trade-off with privacy and security. It's totally okay to decide you prefer convenience over privacy.
If you wanted to give it another shot:
That was why I wanted to move to GrapheneOS, I could selectively use Google services or apps for convenience while still being more secure than stock Android. I'll have to plan my next attempt out instead of Yolo and adapt, lol.
I do plan to migrate to a new 2FA, but Authy made that hard by getting rid of their desktop app so you can't port and have to go to each service and manually sign up a new app one by one. I tend to boycott services when they get that anticonsumer/anticompetitive out of principle.
Convenience and security probably.
The website version of a lot of banks require you login (each time) with a customer numer and then random letters from your password and or pin, which takes forever so I never bother unless I need the website.
Im (more) paranoid whenever I use a sensitive website. Quadruple checking the domain name, am i on https (even tho i use no-http and have a password manager). It's a bit more relaxing using an app.
Theres probably some security downsides (other than user error), but a modern banking site shouldn't suffer much since they invest heavily in locking down their shtuff.