I open the web version of Internet Banking, enter my username and password, wait for confirmation via SMS, enter the short code from the message and only then enter my account. When you need to carry out the next operation with the card, I understand that it is much easier to do this with a smartphone, where for authorization it is enough to put your finger on the fingerprint scanner.
I have another test smartphone in my hands. I install my comfortable minimum of applications on it, among which there are a couple of banking programs. Among them is the well-known Sberbank Online. Unfortunately, Sberbank has many rules for login-password, and my memorized bundles did not fit them. As a result, I have more complex combinations there, which I naturally do not remember by heart. And so I needed to either transfer money, or check the balance, in general, go to my account. It was too lazy to look for the login password, they are also needed to enter the desktop version.
As a result, I take my main phone without a SIM card and log in from it through a fingerprint scanner. No logins, no passwords, all desktop client functionality is also available. At the same time, the smartphone is always at hand: at home, at work, and on a trip.
Another example – one day I went to Auchan and forgot my wallet. The little things in the backpack were enough to pay for the bus fare (however, in some now this can be done directly from the phone), but it certainly wouldn't have been enough for shopping in the supermarket. Fortunately, at that time I did not go with an iPhone, but with a test Android – a smartphone that supports payment via NFC (it was Huawei P9 Plus, if I'm not mistaken). As a result, I was perfectly able to pay for purchases using my smartphone (in Auchan, all terminals support contactless payment) and call a taxi from it.
Contactless payments with 'Corn', part two
We once had a 'Gathering' dedicated to the use of mobile banking. Interestingly, most readers said that they don't use the web version in principle, but do everything from the phone. And I can understand them, one simplified authorization is already a significant incentive for choosing a mobile application.
Sergei Kuzmin recently wrote that a smartphone is becoming a household appliance, not a status item, and this is to some extent great. For my part, I will add that the smartphone is gradually replacing the computer, I would not be surprised if in a couple of years there are a fair number of people who abandoned the traditional PC in favor of one smartphone.