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Push towards banking apps
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Zanderman said:GrahamLM52 said:Bridlington1 said:Though to be fair, many of those will send OTPs to a landline, e.g. TSB and others, such as HSBC, Natwest, RBS, Virgin Money will let you log into online banking with a card reader/security token.
The target is to have changed ALL of the UK's copper telephone cables to fibre-optic by the end of 2025. So anyone relying on SMS text messages being sent to their land line will need to consider an alternative such as an on-line SMS message service after 2025.
My apologies, I did not mean to be scaremongering. When I upgraded to Digital Voice all my text messages stopped working - both inbound and outbound. I contacted BT's customer support and they told me that Digital Voice did not support SMS text messaging (the actual quote from BT was "That facility is no longer available on BT Digital Voice". It seems that I was incorrectly advised and Digital Voice can receive inbound SMS text messages.
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As long as my accountant can get hold of me at my beachfront property in the Bahamas I reckon I can still operate without a smart phone or an app in 2025.0
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subjecttocontract said:As long as my accountant can get hold of me at my beachfront property in the Bahamas I reckon I can still operate without a smart phone or an app in 2025. .0
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km1500 said:4
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Exactly right. I can only assume the person used the same pin for banking app as for eg unlocking phone and was shoulder-surfed
Adding a new payee - well some banks send a OTC so if they had the phone they could get that.
Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder1 -
km1500 said:
Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder0 -
km1500 said:Exactly right. I can only assume the person used the same pin for banking app as for eg unlocking phone and was shoulder-surfed
Adding a new payee - well some banks send a OTC so if they had the phone they could get that.
Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
"I don't access my phone using a pin code - I use facial recognition. My Barclays pin is different to my phone pin and they'd need to have both of them."
Isn't facial recognition/biometric a bit of a red herring though, as there still an underlying PIN/passcode? Albeit prevents shoulder surfing.
SMS (or other messages) shown on lock screens is a big risk.
IIRC there was an issue with Santander, where a stolen card and phone allowed registering of the card to a new device, using the OTP shown on the stolen phone.
I am sure there is a bit more to this story.0 -
k_man said:km1500 said:Exactly right. I can only assume the person used the same pin for banking app as for eg unlocking phone and was shoulder-surfed
Adding a new payee - well some banks send a OTC so if they had the phone they could get that.
Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
"I don't access my phone using a pin code - I use facial recognition. My Barclays pin is different to my phone pin and they'd need to have both of them."
Isn't facial recognition/biometric a bit of a red herring though, as there still an underlying PIN/passcode? Albeit prevents shoulder surfing.
SMS (or other messages) shown on lock screens is a big risk.
IIRC there was an issue with Santander, where a stolen card and phone allowed registering of the card to a new device, using the OTP shown on the stolen phone.
I am sure there is a bit more to this story.
Personally, I've decided that it's not necessary to have every financial institution's app on my phone. Really hurts my inner geek but it just makes sense. And the advice about nor showing notifications on a lock screen is good.0 -
flaneurs_lobster said:km1500 said:
Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
Make sure you only specify the PIN to unlock the folder eg no fingerprint etc0
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