The US has just proposed making the ESTA application process mobile-only.
As an example of one.
Banks requiring device attestation may be a pain in the ass, but it’s not a “requirement”; they (for now) still have websites and, usually, a physical branch.
Banks 2FA are not SMS anymore, so no banking, and because no 2FA no online card payments and no limit adjustment.
Some banks are even app-only.
IRL events where you have to open the app at the gate.
Probably no charging for your EV.
No bus tickets. No Uber. No scooters. No food delivery.
More tedious flying / immigration. No Tinder (requires live face verification on your phone)
Some modern cars you are going to have troubles.
Impossible to setup a lot of smart appliances (like home WiFi routers).
Many examples.
It’s like: can you live without a bank card ? Probably but not everywhere and you will not be able to go to all shops.
Essentially it’s great if you plan to stay at home. Becomes a great problem once you want to interact with anyone further than 1 meter from you.
None of those require smartphones if you live in a free country (1) (2).
(1) Unbanked population in Uganda or india don't have options. Funnily, it's become the same with everyone, banked or unbanked, in the USA. The USA a third world dictatorship now, so expect that and more. Please vote for the orange buffoon a third time! He will most surely try to get on a third term.
(2) No bank in the EU requires a smartphone; it's banned by law (you know, law that protects people, the type you lost). "Banks" that are app-only are not banks but financial casinos. No bus driver in the EU can refuse small coins. In some countries they cannot refuse that you get on the bus without paying. No shop in the EU can refuse cash. No EV charging requires any app; you can pay right at the charging station with a credit card. Uber is not a universal right but a trinket. Same with tinder/food delivery and all the impoverishing tech for the disowned.
Sounds like we don't live in the same EU.
Banks are required to use Strong Customer Authentication, and they consider apps to be safer alternative than SMS.
Revolut, N26 and co, are real banks, like any bank in the EU.
In many countries, you cannot pay with small coins the bus driver.
Shops can refuse cash.
https://fullfact.org/online/UK-not-only-europe-country-legal...
etc
In Northern Europe it's very common not to have cash at all or to have it rejected.
In Estonia, you can choose to login to services using... your mobile phone OR (if you are lucky and this is supported) a physical ID card reader, so realistically you want to have a mobile phone. Some services don't even have alternative.
It's more like a German / Swiss thing to have cash everywhere.
They may not require one, but good luck getting transactions done without one. My EU bank branches are now only open 3 hours a day, and to approve an online transaction without the app means phoning the bank during business hours…
The US has just proposed making the ESTA application process mobile-only.
As an example of one.
Banks requiring device attestation may be a pain in the ass, but it’s not a “requirement”; they (for now) still have websites and, usually, a physical branch.
Other examples probably exist.
Banks 2FA are not SMS anymore, so no banking, and because no 2FA no online card payments and no limit adjustment.
Some banks are even app-only.
IRL events where you have to open the app at the gate.
Probably no charging for your EV.
No bus tickets. No Uber. No scooters. No food delivery. More tedious flying / immigration. No Tinder (requires live face verification on your phone) Some modern cars you are going to have troubles.
Impossible to setup a lot of smart appliances (like home WiFi routers). Many examples.
It’s like: can you live without a bank card ? Probably but not everywhere and you will not be able to go to all shops.
Essentially it’s great if you plan to stay at home. Becomes a great problem once you want to interact with anyone further than 1 meter from you.
> Some banks are even app-only.
Expect this to be the norm going forward due to hardware attestation being normalized on phones.
None of those require smartphones if you live in a free country (1) (2).
(1) Unbanked population in Uganda or india don't have options. Funnily, it's become the same with everyone, banked or unbanked, in the USA. The USA a third world dictatorship now, so expect that and more. Please vote for the orange buffoon a third time! He will most surely try to get on a third term.
(2) No bank in the EU requires a smartphone; it's banned by law (you know, law that protects people, the type you lost). "Banks" that are app-only are not banks but financial casinos. No bus driver in the EU can refuse small coins. In some countries they cannot refuse that you get on the bus without paying. No shop in the EU can refuse cash. No EV charging requires any app; you can pay right at the charging station with a credit card. Uber is not a universal right but a trinket. Same with tinder/food delivery and all the impoverishing tech for the disowned.
Enjoy the USA.
Sounds like we don't live in the same EU. Banks are required to use Strong Customer Authentication, and they consider apps to be safer alternative than SMS. Revolut, N26 and co, are real banks, like any bank in the EU. In many countries, you cannot pay with small coins the bus driver. Shops can refuse cash. https://fullfact.org/online/UK-not-only-europe-country-legal... etc
If you want to use the Tesla supercharger network (one of, if not, the largest in Europe, so rather useful), you need the app. https://www.reddit.com/r/Polestar/comments/1hrzidy/do_i_need...
In Northern Europe it's very common not to have cash at all or to have it rejected. In Estonia, you can choose to login to services using... your mobile phone OR (if you are lucky and this is supported) a physical ID card reader, so realistically you want to have a mobile phone. Some services don't even have alternative. It's more like a German / Swiss thing to have cash everywhere.
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> No bank in the EU requires a smartphone
They may not require one, but good luck getting transactions done without one. My EU bank branches are now only open 3 hours a day, and to approve an online transaction without the app means phoning the bank during business hours…
4 replies →