I think that is definitely the mood right now. But really? Is that actually a smart rational response or are we just getting caught up in the inevitable backlash?
I like my banking apps, I can see my balance and move cash and pay for things instantly and more securely. Maps with GPS (and public transport integration) is a god send. I see only very very minor downsides to these. To be clear, there is plenty that I don't like (privacy has basically gone to zero for a start, plus the distractions). I just think we were in "unreasonable optimism" for the first 8ish years of smart phones. Now we are in "unreasonable pessimism" mode. Neither were reasonable responses.
I wish we could just skip to reasonable responses mode (pass a law requiring buildings over 10 residences to offer keys so you can always get one if you want and then let everyone get on with it?).
I have read the local news. Some old person is scammed, by making a fake site getting first the account id and the password for identification and then asked to provide secure on time code. And now after the app is installed it is fully trusted and the scammer is free to steal all the money.
Where as with website you need to verify each transaction with one time code.
If I was there when legislation was written I would have banned making transactions and approving them on same device.
I can see the need for a "non tech user" account for old people. Why not just mandate that as an option and let those of us happy with apps (which I think are much more secure than websites because you cannot divert/phish them) get on with it?
