Whilst I may not represent the average person, I have no need to check bank statements or manage insurance immediately, so I can wait until I'm at a 'real' computer to do it more conveniently and easily and with a bigger screen and keyboard and mouse.
GPs point about the 'relationship with the smart phone' seems to be pertinent. "need to install an app" to do these things only makes the point stronger.
I can't say I'm happy with the direction of things. They used to offer slips of paper with single-use codes that worked fine, but those are now deprecated in favor of the smartphone app.
Congratulations, your bank is still relying on the two most easily spoofed 2fac methods
For me, time I have in front of my PC is quality time I'd rather not waste on bullshit like banking, or worse, rearrange my life to make activities in that quality time that I could've made on the go in the "time holes" during the day.
Fuck apps, alright, but phones are finally getting useful (despite vendors' attempts to undo that). I switched to a foldable phone 6 months ago, and since then I haven't used my personal laptop for anything, not even once. Foldables are what tablets couldn't be, and despite the toy OS, my Fold7 managed to take over ~all tasks I used to do on the laptop or PC, that don't strongly benefit from physical keyboard and sitting stationary (and a good chunk of the latter too, plugged to a screen via USB-C).
> Whilst I may not represent the average person, I have no need to check bank statements or manage insurance immediately
I think a lot of people check to make sure how much money they have before they make some purchases, especially big ones. Or, they check with this card declined (might need to move some money from one account to another or use a different card).
I teach high school and see students doing this all the time when buying food for lunch. I can't imagine it's any less prevalent amongst adults of a certain generation.
I certainly need to know how much money I have at any given time when I'm shopping. Seems fairly privileged (not in a bad way) to not need to think about that.
Having said that, I do have an app that tells me how much is left on my debit card, but I only recharge it from laptop / desktop at home - I tend to not let it get low enough that I can't get through a day.
Can't deny a certain level of privilege, but will say it's been earned through self discipline. Everyone's situations are different, however.
