Then don't issue an app. Issue people cards to pay with and let them come to the bank for weird transactions.

You can even use the chip on the card together with some cheap HW device to authorize the transactions made with the app. This actually exists [1] for quite some time but seems to be mostly limited to Germany. But this and the use of other HW tokens systems is on decline. Banks increasingly use apps now, increasingly without any meaningful second factor, not even offering better options. They want this and are fully to blame.

[1] https://en.wikipedia.org/wiki/Transaction_authentication_num... (This is a bit outdated, nowadays it works via QR codes instead of those flickering barcodes but the concept stays the same)

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quesera 10 hours ago | parent | prev | next [-]

That'd be great, if your goal was to hemorrhage customers.

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drnick1 9 hours ago | parent | prev [-]

This 100%. I don't understand why everything needs to be an app nowadays. Some things are best done in person and without to technology. No, I won't install some shitty app that requests location and network access to order lunch. If a venue does not provide a paper menu and accept cash, they have just lost my custom.

	▲	pas 4 hours ago \| parent [-]
		Revolut seems to work without physical presence. And the website and app of my bank with offices is ... how should I put it ... a bit Kafkaesque. The obvious thing banks should be doing is putting fucking restrictions on these accounts by default and let people ask for exceptions. And of course if regulations don't encourage them to pick social-engineering-proof defaults then things won't improve.