Monzo app upgrade

Eyeful

etatjcrc said:

My mum has a Monzo account and the app has always worked on her phone. They have updated the operating system needed for the app but her iPhone won’t update the operating system due to its age. The app is no longer working. 

The issue is that they want her to upgrade her old iPhone but she struggles with her eye sight and the phone she has is the largest screen that we can get. All the newer ones have smaller screens. 

I’m frustrated that her banking app is dictating her getting a new iPhone. 

Any suggestions?

Start using an Ipad instead of an iphone.

Chief_of_Staffy

Rob5342 said:

friolento said:

Chief_of_Staffy said:

Time to move banks to one with slightly less contempt for their customers.

It's nothing really to do with contempt. More about the security features of the phone and its operating system. Using your banking app on an unsupported operating system could/would be extremely dangerous, as well as costly for the banks. Therefore it is the duty of the banks to withdraw support to older version of operating systems.

Absolutely, it's like arguing that a garage shows contempt for it's customers for saying your car failed it's mot because the tyres are too worn and forcing you to spend money on new ones. 

It's nothing remotely like that. It's more analogous to the garage failing the MOT despite the car having perfectly good tyres with plenty of tread on the grounds that the rules have changed and only tyres produced in the last three years are acceptable.

Tens of millions of people in the UK use apps on a wide range of hardware and firmware, and have done for many years. That's usage into the multiple trillions of occasions. Find me one instance of a customer, in the absence of negligence or complicity, having their account compromised because they were running the app on 'outdated' technology. Just one.

friolento

Chief_of_Staffy said:

Tens of millions of people in the UK use apps on a wide range of hardware and firmware, and have done for many years. That's usage into the multiple trillions of occasions. Find me one instance of a customer, in the absence of negligence or complicity, having their account compromised because they were running the app on 'outdated' technology. Just one.

That would be hard to do because the providers of the apps will ensure that the supported versions of their apps only run on currently supported version(s) of the platform. This to protect their customers from inadvertently (or advertently) exposing themselves to security vulnerabilities.

Chief_of_Staffy

friolento said:

Chief_of_Staffy said:

Tens of millions of people in the UK use apps on a wide range of hardware and firmware, and have done for many years. That's usage into the multiple trillions of occasions. Find me one instance of a customer, in the absence of negligence or complicity, having their account compromised because they were running the app on 'outdated' technology. Just one.

That would be hard to do because the providers of the apps will ensure that the supported versions of their apps only run on currently supported version(s) of the platform. This to protect their customers from inadvertently (or advertently) exposing themselves to security vulnerabilities.

Claimed vulnerabilities exist practically from OS release day. Yet there is essentially zero evidence that these vulnerabilities translate to real world risk. Even the security researchers, whose livelihoods depend on inflating the risk, have nothing to offer in this department. It's basically the same story as we're told with MS Windows. You must install all security patches because otherwise a hacker will take over your PC! It simply doesn't happen.

booneruk

Chief_of_Staffy said:

Rob5342 said:

Chief_of_Staffy said:

Time to move banks to one with slightly less contempt for their customers.

Why does having security requirements show contempt for customers? 

If you're trying to make out that enforced app usage has any benefit whatsoever to the responsible customer's financial security then trust me, you're talking to the wrong person.

Why? Because you don't (or refuse to) grasp the reality where banking software requires continual development to keep security tight and that doing this across every device that ever existed would be pretty much impossible. 

Support has to be dropped for old devices occasionally or development would stall (cost, resources to cover every device out there), and security would be compromised. 

The Banks / Apple / Android et al can't win really.

AstonSmith

It seems Monzo needs Apple IOS 16 or later. That means phones like the 6S and 7 can't install or update it now as they are stuck on 15. (Note that 15 still gets security updates, with the most recent being in September. https://support.apple.com/en-us/125142)

I assume she has a 6S Max or 7? Apple still releases big screen phones, and also the iPad. Understandably replacing a working device isn't very MSE.

Theleak250

Rob5342 said:

Theleak250 said:

It’s a digital bank, no branches. Switch to Nationwide if you want to keep it old school. 

Who said anything about keeping it old school? It sounds like they happy having an account with a modern bank and just don't want to or have to fork out for a new phone.

Nationwide are very old fashioned but even they will have some restrictions on the age of the operating system their app will run on. 

That's what it means if you don't want to use app based banking. The reality is you will need to keep buying phones to keep up and use the app, if someone is not willing to do that, you go back to being old school. Very simple really. 

Chief_of_Staffy

booneruk said:

Chief_of_Staffy said:

Rob5342 said:

Chief_of_Staffy said:

Time to move banks to one with slightly less contempt for their customers.

Why does having security requirements show contempt for customers? 

If you're trying to make out that enforced app usage has any benefit whatsoever to the responsible customer's financial security then trust me, you're talking to the wrong person.

Why? Because you don't (or refuse to) grasp the reality where banking software requires continual development to keep security tight and that doing this across every device that ever existed would be pretty much impossible. 

Support has to be dropped for old devices occasionally or development would stall (cost, resources to cover every device out there), and security would be compromised. 

The Banks / Apple / Android et al can't win really.

I would say that closing down physical branches, forcing customers to abandon cash, withdrawing basic services such as online web access and channelling people into user experiences that are hugely expensive and for many simply untenable, primarily due to "cost and resources" (your words), then lying about their motives whilst making tens of billions profit, counts as winning.

Rob5342

Chief_of_Staffy said:

friolento said:

Chief_of_Staffy said:

Tens of millions of people in the UK use apps on a wide range of hardware and firmware, and have done for many years. That's usage into the multiple trillions of occasions. Find me one instance of a customer, in the absence of negligence or complicity, having their account compromised because they were running the app on 'outdated' technology. Just one.

That would be hard to do because the providers of the apps will ensure that the supported versions of their apps only run on currently supported version(s) of the platform. This to protect their customers from inadvertently (or advertently) exposing themselves to security vulnerabilities.

Claimed vulnerabilities exist practically from OS release day. Yet there is essentially zero evidence that these vulnerabilities translate to real world risk. Even the security researchers, whose livelihoods depend on inflating the risk, have nothing to offer in this department. It's basically the same story as we're told with MS Windows. You must install all security patches because otherwise a hacker will take over your PC! It simply doesn't happen.

What do you suggest they do instead? Keep quiet when they find a security flaw, never fix anything they find and trust that nobody else will ever find the same flaw? 

Desmond_Hume

Chief_of_Staffy said:

booneruk said:

Chief_of_Staffy said:

Rob5342 said:

Chief_of_Staffy said:

Time to move banks to one with slightly less contempt for their customers.

Why does having security requirements show contempt for customers? 

If you're trying to make out that enforced app usage has any benefit whatsoever to the responsible customer's financial security then trust me, you're talking to the wrong person.

Why? Because you don't (or refuse to) grasp the reality where banking software requires continual development to keep security tight and that doing this across every device that ever existed would be pretty much impossible. 

Support has to be dropped for old devices occasionally or development would stall (cost, resources to cover every device out there), and security would be compromised. 

The Banks / Apple / Android et al can't win really.

I would say that closing down physical branches, forcing customers to abandon cash, withdrawing basic services such as online web access and channelling people into user experiences that are hugely expensive and for many simply untenable, primarily due to "cost and resources" (your words), then lying about their motives whilst making tens of billions profit, counts as winning.

How many branches have Monzo closed?