this post was submitted on 25 Apr 2024
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Privacy
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My experience with my two banks has been, with their respective apps, I can sign in with just a password but I get logged out of the app after 10 minutes of inactivity. I never stay signed in. This is two different apps for 2 different banks.
On the web, they almost always request their crappy 2FA which is via text or email, and I do not stay signed in ever either, as well as being logged out after 10 minutes of activity.
What irks me is their 2FA, they have no other options besides email or text, the least secure options of all 2FA methods...
But being signed out everytime, I'm not sure I see it as that much of a hassle, and I kind of appreciate that if someone can unlock my computer or phone, they cannot open my bank account just because I was logged in 30 minutes ago...
Exactly, the 2FA recourse usually affects browsers and not apps. And comes on top of the password or PIN, rather than replacing it. Which seems like discrimination. And it's not even secure, as you say.
This all feels very convenient. Like a subtle form of abuse, in the name of security, to push people away from the only platform where they have any serious chance of privacy.
The arguments about the insecurity of the browser context have some merit in the aggregate, but in the end all these considerations are relative to the individual user. Which makes the discrimination a form of collective punishment that might have a legal redress.