Android
DROID DOES
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I've never used a banking app. Don't they usually have web sites? What am I missing on?
Nothing, but in some countries banks force you to use apps. You know, "for your security ".
Pretty much. My bank imposes transfer limits on the web portal vs the app, since there's purportedly more security in the physical device rather than a web page accessible from any system.
While I don't necessarily disagree with this, it means those apps also have to be searching for things like "Is USB debugging on? Is this running in an emulator? Is the device rooted?"
None of these are bad checks to make from a security perspective, but by relying on the app on a single device as a defacto MFA hurts the ability to manage personal finances when you're in a position like this, with Google defining the security requirements of their ecosystem at a higher level than any single app.
I am forced to use the app to access the website.
my main use of my bank application is for verification for government stuff, as well as managing my money without having to get on my pc. it would be really annoying to lose access to it, as with it i dont have to use the verification number table which is physical table of numbers that has to be replaced occasionally and could get lost.