Why bank apps are so complicated?

@mrki444 (15149)
Croatia (Hrvatska)
February 24, 2023 2:23am CST
I have account in bank. It is just one street near me but there is always a rush. Only office in 30km circle. I have their online banking app on old phone. Since I changed phone, now I must go in bank again so they can activate it again. There are steps how to do it without visiting bank but it doesn't work. From error message it is not my fault, than app. Why they don't make it somehow easier? Phone number, fingerprint? I know it is money related and app should be safe but I now I must go again in bank.
12 people like this
11 responses
@LadyDuck (470445)
• Switzerland
24 Feb 23
I only use my computer for online banking, I do not feel safe using my phone.
3 people like this
@mrki444 (15149)
• Croatia (Hrvatska)
24 Feb 23
I need it since I pay more bills using smartphone. Also it is included in bank fee so why not use it .
3 people like this
@LadyDuck (470445)
• Switzerland
24 Feb 23
@mrki444 - I pay online my bills but using my computer, not my phone.
2 people like this
@mrki444 (15149)
• Croatia (Hrvatska)
24 Feb 23
@LadyDuck Do you have lower fee?
1 person likes this
@JudyEv (338357)
• Rockingham, Australia
25 Feb 23
It is so annoying when these things happen. It's also annoying when programmes/whatever update and everything gets changed around.
2 people like this
@TheHorse (217610)
• Walnut Creek, California
27 Feb 23
AOL just did that to me. I could not find the "search" function for several days.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
25 Feb 23
I was in bank in they say it not just app than that option if manual reactivation is disabled.
1 person likes this
@May2k8 (18311)
• Indonesia
25 Feb 23
They make sure if it's really your account so we need to come to the bank to confirm. That's for security too.
1 person likes this
@May2k8 (18311)
• Indonesia
25 Feb 23
@mrki444 Here we need OTP code to change anything then also must come to bank if we change phone number or address.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
25 Feb 23
Before we could done everything using 2fa now we must go in bank .
1 person likes this
@crossbones27 (49287)
• Mojave, California
25 Mar 23
Its not just bank apps, anytime you change a phone or laptop, desktops, companies go crazy. It takes like 2 years before they go, oh now we recognize this device and by then you are ready to buy a new one. Repeat process again. I freaking hate it. Here is my email, it never changes, yet they do make it so complicated when it does not need to be. Just use my email, no we need phone and IP address, imagine if you move and IP address changes. Places be like we need birth certificate, fingerprints, facial scan, hair sample, mouth swab. OK I guess it is you. Computers seem to make things harder not easier.
1 person likes this
• Mojave, California
25 Mar 23
@mrki444 Its all about the profit, they need all your details, they do not but in their mind they do. They want to know everything about you so they can maximize the profit off the next gimmick. Capitalism came to fame in 1700's and pretty sure it was not made for what we can do now if we being true to the inventor that made it go who even gave warnings if you abuse it, you will have problems. Adam Smith.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
25 Mar 23
Computers become to personal. Try install windows 10 without Microsoft account. You must lie you don't have internet.
1 person likes this
@TheHorse (217610)
• Walnut Creek, California
25 Feb 23
I find it rare to encounter online stuff that works as it should. Good for profits, I suppose.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
25 Feb 23
Yes I get some lower fee when I pay with app.
1 person likes this
@TheHorse (217610)
• Walnut Creek, California
27 Feb 23
@mrki444 I get stonewalled by technology often. I like to talk to a human.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
27 Feb 23
@TheHorse I agree. I computer science teacher but more and more tech driving me crazy. Just give me human to talk and solve problems. I don't want talk with both.
1 person likes this
@manojari (123)
24 Feb 23
i use various method bank apps, UPI payment and Gpay
1 person likes this
@shaggin (72012)
• United States
28 Feb 23
It definitely sound’s frustrating but it’s probably a good thing they have so many precautions to keep your money safe.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
28 Feb 23
I agree but I would remove informations about transfering app on another phone without visiting bank if it not supported anymore.
1 person likes this
@Jenaisle (14078)
• Philippines
10 Mar 23
That's why I don't use online banking apps. They're too much trouble and are dangerous as well. But a reliable bank would be good. But the risk is too much. I would rather walk or commute to the bank or the ATM for my transactions. It's safer and speedier in the long run. Online apps are also unreliable at times, including their answering services, and so forth.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
10 Mar 23
It is cheaper pay some bills using app.
@jstory07 (139309)
• Roseburg, Oregon
28 Dec
I hope when you go to the bank you will be able to figure everything out.
@Icydoll (36717)
• India
24 Feb 23
Sorry it happened to you, there are usually technical errors with the application . I hope they will do that is helpful to all.
1 person likes this
@mrki444 (15149)
• Croatia (Hrvatska)
24 Feb 23
It is great app and it works well except when you change phone. Do you have online banking app?
@grenery8 (9173)
• Zagreb, Croatia (Hrvatska)
28 Mar
hi,my countryman! this answer may find you or not. yes, when you change your phone, it is the same hustle all over again and i am sorry. just remember that for same thing, people in japan also have to go to their bank in person while we are convinced that everything is digital there;source is youtube so not sure how valid that is but again. cheers and see you maybe one day