Am I The Only Person Who Doesn't Use Open Banking and Doesn't Want To Download Banking Apps?

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  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
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    JustAnotherSaver wrote: »
    Open your phone else i'll stick this knife in to you.


    Thanks for letting me in :)




    Unlikely but not impossible and depending what areas we're talking it could be reasonably likely.
    ^^^ I live in the ghetto ^^^

    :(
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • colsten
    colsten Posts: 17,597 Forumite
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    JustAnotherSaver wrote: »
    Open your phone else i'll stick this knife in to you.


    Thanks for letting me in :)




    Unlikely but not impossible and depending what areas we're talking it could be reasonably likely.
    Right. So I type a wrong PIN 6 times and my iphone disables itself for a period of time. After 10 unsuccessful tries, my iPhone totally wipes itself.

    Next.
  • colsten
    colsten Posts: 17,597 Forumite
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    Willing2Learn wrote: »
    I am just paranoid. But, having said that, if I do a google search on 'phone lock', there is multitude of videos instructing the user how to bypass a phone lock.
    I don't know which video(s) you are looking at but I am satisfied that nobody can break into my iPhone unless I give them the PIN.
  • BoGoF
    BoGoF Posts: 7,099 Forumite
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    Willing2Learn wrote: »
    I'm just scared to have open banking. And I would be scared to have a multitude of banking apps on my phone. It could be a security nightmare if the mobile got stolen or was lost...And I'm assuming that with open banking, you only require one password to access all your accounts. What if the password was compromised for any reason? Maybe I am just paranoid though...
    JustAnotherSaver wrote: »
    Open your phone else i'll stick this knife in to you.


    Thanks for letting me in :)




    Unlikely but not impossible and depending what areas we're talking it could be reasonably likely.

    So you leave your bank cards in the house every time you go out
    ......just in case.
  • worried_jim
    worried_jim Posts: 11,631 Forumite
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    Willing2Learn wrote: »
    Question is in the thread title.

    Just wondering if I was unusual...

    Did you know the Apps are more secure than logging in by a browser?
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    No you are not
  • Takmon
    Takmon Posts: 1,738 Forumite
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    PasturesNew wrote: »
    Apps go onto a small, insecure, phone.
    People take phones out of the house and they get dropped, fall out of pockets, get pickpocketed, get physically robbed for them.

    Why'd anybody have direct access to their life's wealth on such an insecure thing?

    Phones are more secure than PC's in general and that's why banks let them be used as a two factor authentication device but no bank allows a PC to be used like this.

    On modern phones they are very secure especially with fingerprint locks.
  • Carrot007
    Carrot007 Posts: 4,534 Forumite
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    If only the apps were apps and not a !!!!!! mobile website with a wrapper.


    I'm looking as you lloydsbankinggroup!


    You web site used to be so much better before it was butchered so the same pages could be served up in ther "app".


    To be honest I just prefer them to make multiple ways to do things properly instead of one hald assed version that does not work very well on any platform.


    Still you get used to the annoyances. Then of course they change them.
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
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    Takmon wrote: »
    Phones are more secure than PC's in general and that's why banks let them be used as a two factor authentication device but no bank allows a PC to be used like this.

    On modern phones they are very secure especially with fingerprint locks.
    I cannot see how a phone can be any more or any less secure than a regular PC. A modern phone is after all, a mini-computer...And as we all know, a computer (whether a phone or pc) has vulnerabilities. The more popular the hardware, the more vulnerabilities there are...
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • MovingForwards
    MovingForwards Posts: 16,921 Forumite
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    I use apps / online banking, but have no interest in open banking.
    Mortgage started 2020, aiming to clear it in 2026.
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