logoalt Hacker News

rwltoday at 6:59 AM4 repliesview on HN

I love the idea and wish I could get something like this in Europe. The main reason I "need" a smartphone over here is that EU banking regulations make it nearly impossible to do online banking without one. Anyone know of similar projects over here that would satisfy that need?


Replies

Sviptoday at 7:15 AM

"Europe" may be a bit broad there. In Denmark, I can get by without a smartphone; I have to carry what they call a "MitID code display" to gain access to online public services (though the device is entirely free of charge), but I also carry keys, so it's not a big hassle.

mschildtoday at 7:31 AM

Depends on your bank.

A lot of banks in Germany still offer photoTAN generators. Effectively, a physical device that generates 2FA codes for your login. You can then use the website as usual and use the codes from this instead of phone confirmation. This is one example from ING.[0]

That way you can effectively use most feature phones as your daily drivers. HMD (Nokia) still manufacturers some of them that even come with GPS, etc. There are some feature phones that even run Android but I don't know what app support for things like Spotify is like.

[0]https://genostore.de/ING

lowdudetoday at 8:06 AM

There was a comment a couple of days ago that mentioned using MDM to lock down their iPhone. So essentially, dumbing down a normal smartphone to whatever your essentials are and removing the web browser. That may be an expensive way of going about this, but I find it an interesting approach. Android probably has similar solutions, anything outside that duopoly will get tricky again w.r.t. banking.

Semaphortoday at 7:09 AM

At least in Germany, many banks still offer alternatives. You’ll need to buy dedicated hardware like a chipcard reader.

Alternatively, keep a cheap smartphone around with nothing but the banking app on it.