Strong Customer Authentication - **Now delayed** changes to online verification

colsten

Doc_N wrote: »

I'm not meaning just the icons - that's not the problem. It's the impact of large numbers of largely unnecessary apps on the phone's performance.

Some of us have a large number of accounts.

What impact on the phone's performance did you have in mind?

I have the apps of literally all UK Banks and BSs, plus some non-UK ones, on my phone. They are there because I use them. Some more than others but none of them are unnecessary. I have not noticed any performance degredation of any sort.

colsten

Rich2808 wrote: »

I am a little wary about app reliance - if you lose your physical key you can get a new one from an HSBC or M&S branch same day but it could be a while before people get a new phone and SIM if theirs is lost or stolen.

I am not sure I could get a replacement from HSBC or M&S within a day - not least because the nearest branches are a considerable distance away. Replacing my phone within 24 hours, and restoring a backup onto the new phone is a more realistic prospect.

I do, however, agree that the phone could be a single point of failure. The bypass could be to have the apps also installed on a tablet (unless unsupported by the bank), or there's always the option to call your bank if there's an urgent transaction to be done.

Doc_N

colsten wrote: »

What impact on the phone's performance did you have in mind?

I have the apps of literally all UK Banks and BSs, plus some non-UK ones, on my phone. They are there because I use them. Some more than others but none of them are unnecessary. I have not noticed any performance degredation of any sort.

Speed and performance. I use a lot of apps, banking and non-banking, but I do now try to keep the total down after having once destroyed the performance of an otherwise good phone by having too many on it. Take it to extremes and the performance will suffer.

colsten

Doc_N wrote: »

Speed and performance. I use a lot of apps, banking and non-banking, but I do now try to keep the total down after having once destroyed the performance of an otherwise good phone by having too many on it. Take it to extremes and the performance will suffer.

Are you perhaps mixing up having the apps on your phone and running them concurrently? If you have a half-decent phone to start with, and get into the habit of actually closing apps when you don't use them, there's no issue. I can't think of any good reason why you would want, or need, to run any of your banking apps concurrently. In terms of storage, all my banking apps are way down the list of apps. My big hitters are Music and Podcasts, along with Dropbox, Facebook and Twitter. My total used storage is just over 32GB, so obviously I wouldn't get away with a 16GB or 32GB phone, but I didn't consider one of those viable for over a decade now, anyway.

Doc_N

colsten wrote: »

Are you perhaps mixing up having the apps on your phone and running them concurrently? If you have a half-decent phone to start with, and get into the habit of actually closing apps when you don't use them, there's no issue. I can't think of any good reason why you would want, or need, to run any of your banking apps concurrently. In terms of storage, all my banking apps are way down the list of apps. My big hitters are Music and Podcasts, along with Dropbox, Facebook and Twitter. My total used storage is just over 32GB, so obviously I wouldn't get away with a 16GB or 32GB phone, but I didn't consider one of those viable for over a decade now, anyway.

Not at all. It's simply this:

Deleting apps might not seem like the most obvious way to speed up a phone. After all, if you’re not using them, how can they slow you down? However, having more storage space on your phone means that its processor can work more efficiently. So, if you’re not using apps, it’s a no-brainer to free up some space by removing them.

The phone I have now is admittedly rather more well endowed with memory than previous ones, but it's entirely possible to ruin the performance of an Android phone (and doubtless an iPhone) by clogging up the memory with vast numbers of apps that get used only rarely - even if you close the apps down after use.

mrochester

Doc_N wrote: »

Not at all. It's simply this:

Deleting apps might not seem like the most obvious way to speed up a phone. After all, if you’re not using them, how can they slow you down? However, having more storage space on your phone means that its processor can work more efficiently. So, if you’re not using apps, it’s a no-brainer to free up some space by removing them.

The phone I have now is admittedly rather more well endowed with memory than previous ones, but it's entirely possible to ruin the performance of an Android phone (and doubtless an iPhone) by clogging up the memory with vast numbers of apps that get used only rarely - even if you close the apps down after use.

Technical explanation required here, how does having more free storage space help a processor work more efficiently? I’d love to know the reasoning behind that because I can’t see how that’d work.

mrochester

colsten wrote: »

Are you perhaps mixing up having the apps on your phone and running them concurrently? If you have a half-decent phone to start with, and get into the habit of actually closing apps when you don't use them, there's no issue. I can't think of any good reason why you would want, or need, to run any of your banking apps concurrently. In terms of storage, all my banking apps are way down the list of apps. My big hitters are Music and Podcasts, along with Dropbox, Facebook and Twitter. My total used storage is just over 32GB, so obviously I wouldn't get away with a 16GB or 32GB phone, but I didn't consider one of those viable for over a decade now, anyway.

Closing apps on your phone is not routinely necessary. Your phone will automatically free up whatever RAM it needs to run the app you are trying to use. Closing apps just unnecessarily flushes them from RAM.

masonic

colsten wrote: »

I do, however, agree that the phone could be a single point of failure. The bypass could be to have the apps also installed on a tablet (unless unsupported by the bank), or there's always the option to call your bank if there's an urgent transaction to be done.

I have most of my online banking apps installed on a tablet, ready for this eventuality. It's a fairly old, low spec tablet too, and have encountered no issues of apps refusing to run on it.

System

There is no problem having as many apps on your phone as you need. Just keep an eye on the available storage you have and only worry if the margin gets too small - like if you have a phone with 64GB of storage memory (NOT RAM) always make sure you have at least one or two GBs free. Other than that the phone os will manage the RAM as necessary. A phone os manages apps and multi-tasking differently than a PC. On a PC (or Mac) a program you have open stays running and if you have several programs running it can slow down the computer. On a phone, you move from one app to another and an element of the previous app stays running only if it needs to - like a messaging app - but otherwise it will be suspended and use no memory, or be terminated altogether. It is NOT necessary to take the extra step of closing apps when you have finished with them - this can slow down your phone since when you move back to that app it has to load from scratch rather than resuming its suspended state.

18cc

A banking app uses about 200 megabytes of storage just sitting out on the phone waiting to be run ie 5 banking apps per gigabyte

if you have 10 banking apps installed then you will be using two gigabytes out of say a 64GB phone

If they are just sitting there doing nothing and just waiting to be run then they don't impact your performance on the phone at all of course they are just sitting there

deleting one or two or even five won't make any difference to performance it will just free up storage space so you can load more apps, music or whatever