alt Hacker News> I called their support line for a lost card, and had to go through to second level support because I didn't have the app.
What’s the alternative? The bank sending out a debit card to anyone who calls up and says “I’m @kristov, trust me…”
You were not able to served by the standard path, because you couldn’t authenticate yourself via the standard mechanism. You still got service by an alternate path. No different from opting out of the airport scanner; it takes longer and is a little less convenient, but you still get service.
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Off the top of my head: going in-person to the bank, email, phone call or sms to a number that you previously informed to the bank (say when opening the account), otp a la authy or aegis. None of these require you to be on google or apple's walled garden.
What’s the alternative? The bank sending out a debit card to anyone who calls up and says “I’m @kristov, trust me…”
Are you under the impression that this wasn't a solved problem for the half-century before "apps?"
Yes, there was some tiny fraction of fraud, but it's not like adding all these layers upon layers of technology has fixed anything. The difference is that instead of getting ripped off by one of the people in your own town, anyone anywhere on the planet can rip you off now.
Wait, how you being on the Google/Apple ecosystem help the identification process?
> opting out of the airport scanner
slightly OT, but where can you opt out of the scanner?
Every time I've tried they told me I won't be allowed through security unless I subject myself to the scanner, despite me protesting that they can search me however else they please.
Not sure if you're genuinely asking because there are a dozen proven ways to verify identity or residency either digitally and physically without being locked down to 2 mobile OSes owned and controlled by 2 American companies.