Dod101 wrote:I do nor like the idea of spraying banking apps all over the place and certainly not on my phone where there is absolutely no need for it.
If I wanted to I could access my bank via safari just as I do on my desktop or ipad but I never do as I find it too fiddly.
If you trust using a web browser on a phone or a desktop pc, then not trusting a dedicated banking app makes little sense.
As for the need, well not everyone banks with a private bank that has a dedicated representative to answer the phone immediately, and so they do need a quick, easy, and secure way to access their account when away from home.
Dod101 wrote:Why anyone wants to use their phone for paying anything I know not. A credit card works fine.
One less thing to carry - the card, as most people will always have their phone.
An immediate notification of that transaction, or any other transaction, on the phone.
The ability to carry a range of cards for different purposes.
Single use virtual cards for online transactions.
Urbandreamer wrote:How about your photo-ID, sorry driving license? Isn't the rest there? Some of us do drive and as officially legally required do carry it when driving.
Not in the UK you aren’t.
https://www.gov.uk/legal-obligations-drivers-ridersUrbandreamer wrote:
Finally, you need a phone to receive a SMS. Of course you could have one of those mega encrypted Iphones, which would not protect you if the SIM was simply moved to another phone to receive the text.
Take the sim out of my phone and it won’t work in another phone because I have the sim PIN set. In fact turn my phone off and back on again and the sim won’t work until you enter the sim PIN.
If you haven’t done this then I seriously recommend doing so as it stops anyone doing anything with it. A well known risk, particularly a risk when on holiday, is someone stealing your phone then putting the sim in their phone and then running up a huge phone bill calling overseas or premium rate numbers.
https://www.samsung.com/sg/support/mobi ... le-device/https://support.apple.com/en-gb/HT201529Urbandreamer wrote: The problem isn't the phone or any security it has. It's the need to carry all this, then to leave it in a gym locker.
Personally I have made the same mistake, but got away with it. I won't be leaving such things in the locker when skiing and if swimming will leave the phone in the glove compartment of the car.
Which is why I prefer a cellular watch when I go to the gym - nothing of value needs to be left in a locker as phone and payment cards are kept on my wrist - and I can listen to music and podcasts from it on earphones whilst I exercise..
Urbandreamer wrote: So does anyone agree as the cause? Why didn't the journalists point out that we should avoid these risks, rather than seek a technical solution? Sure, we shouldn't "blame" the victim, but as I said, I have learned from her mistake.
From the website article and the radio article nobody knows how the fraud happened - although as I mentioned before the interviewer decided not to ask some questions of the victim about the most likely way the thieves accessed her phone.
As a result there seemed to be a whole lot of assumption from the journalists about what might have happened with the most convoluted explanation decided as the likely answer because it makes a good story.
