Forced app download - Revision history

Rudxain: link Forced account

2026-03-16T07:46:44Z

link Forced account

← Older revision		Revision as of 07:46, 16 March 2026
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	#'''Deliberately crippling or removing functionality from the web experience''' - Prevent users from having an alternative interface to perform basic tasks.{{Citation needed}}		#'''Deliberately crippling or removing functionality from the web experience''' - Prevent users from having an alternative interface to perform basic tasks.{{Citation needed}}
	#'''Forcing users to always be on the latest version of an app''' - "For your security" (as they usually claim), most of these apps will constantly check for the latest version and self-disable if they are older than x-version.{{Citation needed}} (varies by company)<!-- Imgur example: https://imgur.com/gallery/i-hate-this-type-of-bgGI7LR - JamesTDG -->		#'''Forcing users to always be on the latest version of an app''' - "For your security" (as they usually claim), most of these apps will constantly check for the latest version and self-disable if they are older than x-version.{{Citation needed}} (varies by company)<!-- Imgur example: https://imgur.com/gallery/i-hate-this-type-of-bgGI7LR - JamesTDG -->
	#'''Mandatory use of account''' - For most of these apps to work, you must have an account for features to work.{{Citation needed}} For example, making an order with Luckin Coffee mandates installing the app and creating an account tied to a personal phone number;{{Citation needed}} guests are disallowed from making orders incognito.{{Citation needed}}<!-- Citation actually needed here -->		#'''[[Forced account\|Mandatory use of account]]''' - For most of these apps to work, you must have an account for features to work.{{Citation needed}} For example, making an order with Luckin Coffee mandates installing the app and creating an account tied to a personal phone number;{{Citation needed}} guests are disallowed from making orders incognito.{{Citation needed}}<!-- Citation actually needed here -->

	==Key implications==		==Key implications==

Sojourna at 21:43, 9 March 2026

2026-03-09T21:43:47Z

← Older revision		Revision as of 21:43, 9 March 2026
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	[[File:Digital ~~turbine~~ logo.png\|alt=~~digital turbine~~ logo \|thumb\|~~digital turbine~~ logo ]]		[[File:Digital Turbine logo.png\|thumb\|alt=Digital Turbine logo\|thumb\|Digital Turbine logo]]
	[[File:Singapore banks no unverified apps.png\|thumb\|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]		[[File:Singapore banks no unverified apps.png\|thumb\|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]

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	All banks in Singapore (Citi, DBS, UOB, OCBC, Standard Chartered, CIMB) mandate use of their apps for consumers to perform any online banking activities, including logging in via their web browser.		All banks in Singapore (Citi, DBS, UOB, OCBC, Standard Chartered, CIMB) mandate use of their apps for consumers to perform any online banking activities, including logging in via their web browser.
	[[File:Luckin Coffee forced app download.png\|thumb\|Luckin Coffee, a China-origin Starbucks competitor, forces you to download their app to order and pay for coffee. You cannot order coffee at the cashier in their store, let alone pay. You must use the app to interact with this business and digital payments to pay.]]		[[File:Luckin Coffee forced app download.png\|thumb\|Luckin Coffee, a China-origin Starbucks competitor, forces you to download their app to order and pay for coffee. You cannot order coffee at the cashier in their store, let alone pay. You must use the app to interact with this business and digital payments to pay.]]
	[[File:~~Forced~~ app download ~~- Citibank Singapore~~.png\|thumb\|Citibank Singapore has deliberately disabled many basic functions such as rewards redemption on its website since 2024, forcing users to download and use their mobile app as an "alternative".]]		[[File:Citibank Singapore forced app download.png\|thumb\|Citibank Singapore has deliberately disabled many basic functions such as rewards redemption on its website since 2024, forcing users to download and use their mobile app as an "alternative".]]
	The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".		The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".

Sojourna at 21:19, 9 March 2026

2026-03-09T21:19:28Z

← Older revision		Revision as of 21:19, 9 March 2026
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	[[File:Digital turbine logo .png\|alt=digital turbine logo \|thumb\|digital turbine logo ]]		[[File:Digital turbine logo.png\|alt=digital turbine logo \|thumb\|digital turbine logo ]]
	[[File:No unverified apps.png\|thumb\|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]		[[File:Singapore banks no unverified apps.png\|thumb\|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]

	==Examples==		==Examples==

Sojourna at 21:12, 9 March 2026

2026-03-09T21:12:56Z

← Older revision		Revision as of 21:12, 9 March 2026
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	===Banking and finance===		===Banking and finance===
	All banks in Singapore (Citi, DBS, UOB, OCBC, Standard Chartered, CIMB) mandate use of their apps for consumers to perform any online banking activities, including logging in via their web browser.		All banks in Singapore (Citi, DBS, UOB, OCBC, Standard Chartered, CIMB) mandate use of their apps for consumers to perform any online banking activities, including logging in via their web browser.
	[[File:~~Forced~~ app download.png\|thumb\|Luckin Coffee, a China-origin Starbucks competitor, forces you to download their app to order and pay for coffee. You cannot order coffee at the cashier in their store, let alone pay. You must use the app to interact with this business and digital payments to pay.]]		[[File:Luckin Coffee forced app download.png\|thumb\|Luckin Coffee, a China-origin Starbucks competitor, forces you to download their app to order and pay for coffee. You cannot order coffee at the cashier in their store, let alone pay. You must use the app to interact with this business and digital payments to pay.]]
	[[File:Forced app download - Citibank Singapore.png\|thumb\|Citibank Singapore has deliberately disabled many basic functions such as rewards redemption on its website since 2024, forcing users to download and use their mobile app as an "alternative".]]		[[File:Forced app download - Citibank Singapore.png\|thumb\|Citibank Singapore has deliberately disabled many basic functions such as rewards redemption on its website since 2024, forcing users to download and use their mobile app as an "alternative".]]
	The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".		The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".

Bananabot: Added archive URLs for 20 citation(s) using CRWCitationBot

2026-02-23T04:41:44Z

Added archive URLs for 20 citation(s) using CRWCitationBot

Show changes

ClippyWantsToHelp: /* Issues in adverse circumstances */

2026-01-27T05:01:26Z

Issues in adverse circumstances

← Older revision		Revision as of 05:01, 27 January 2026
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	===Issues in adverse circumstances===		===Issues in adverse circumstances===
	The applications might become useless or have limited functions if there is no internet connection. If the device is out of battery, broken or has been stolen, the user will be ~~temporarily~~ unable to access to the app. In worse scenarios, another person could access to the app and do malicious activities (such as taking or spending the user's money or scamming other people)		The applications might become useless or have limited functions if there is no internet connection. If the device is out of battery, broken or has been stolen, the user will be unable to access to the app until their device is charged, repaired or by acquiring a new one. In worse scenarios, another person could access to the app and do malicious activities (such as taking or spending the user's money or scamming other people).

	Bugs could also lead to problems in the app's functionality and might cause issues when doing an action in the app.		Bugs could also lead to problems in the app's functionality and might cause issues when doing an action in the app.

ClippyWantsToHelp: /* Banking and finance */

2026-01-27T04:58:05Z

Banking and finance

← Older revision		Revision as of 04:58, 27 January 2026
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	The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".		The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".

	On August 1, 2025, in Chile, the [https://www.cmfchile.cl/normativa/ncg_538_2025.pdf General Character Norm N° 538] came into force. <ref>{{Cite web \|publisher=CMF \|date=17 Jun 2025 \|title=REF.: NORMA SOBRE MEDIDAS SEGURIDAD Y AUTENTICACIÓN DE OPERACIONES SOMETIDAS A LA LEY N°20.009 \|trans-title=REF.: NORM ABOUT MEASURES, AND AUTHENTICATION SUBJECTED TO LAW N°20,009 \|url=https://www.cmfchile.cl/normativa/ncg_538_2025.pdf \|url-status=live \|access-date=27 Jan 2026 \|website=CMF Chile}}</ref> <ref>{{Cite web \|publisher=SERNAC \|date=04 Aug 2025 \|title=Recomendaciones tras entrada en vigencia de normativa que elimina tarjeta de coordenadas \|trans-title=Recommendations after enforcement of normative that removes coordinate cards \|url=https://www.sernac.cl/portal/604/w3-article-86685.html \|url-status=live \|access-date=27 Jan 2026 \|website=SERNAC}}</ref> The transaction method with coordinate cards was intended to be officially removed as a transaction alternative, forcing users to download and use the official bank apps to do online transactions. This action caused complaints and concerns. Those controversies made CMF to postpone the law for August 2026. <ref>{{Cite web ~~\|publisher=CMF~~ \|date=17 Jun 2025 \|title=Tras quejas en el sector financiero, CMF aplaza en un año la eliminación de tarjeta de coordenadas \|trans-title=After complaints in financial sector, CMF postpones for one year the removal of coordinate cards\|url=https://www.df.cl/mercados/banca-fintech/tras-quejas-por-inconvenientes-para-adultos-mayores-la-cmf-aplaza-un-ano \|url-status=live \|access-date=27 Jan 2026 \|website=~~CMF Chile~~}}</ref>		On August 1, 2025, in Chile, the [https://www.cmfchile.cl/normativa/ncg_538_2025.pdf General Character Norm N° 538] came into force. <ref>{{Cite web \|publisher=CMF \|date=17 Jun 2025 \|title=REF.: NORMA SOBRE MEDIDAS SEGURIDAD Y AUTENTICACIÓN DE OPERACIONES SOMETIDAS A LA LEY N°20.009 \|trans-title=REF.: NORM ABOUT MEASURES, AND AUTHENTICATION SUBJECTED TO LAW N°20,009 \|url=https://www.cmfchile.cl/normativa/ncg_538_2025.pdf \|url-status=live \|access-date=27 Jan 2026 \|website=CMF Chile}}</ref> <ref>{{Cite web \|publisher=SERNAC \|date=4 Aug 2025 \|title=Recomendaciones tras entrada en vigencia de normativa que elimina tarjeta de coordenadas \|trans-title=Recommendations after enforcement of normative that removes coordinate cards \|url=https://www.sernac.cl/portal/604/w3-article-86685.html \|url-status=live \|access-date=27 Jan 2026 \|website=SERNAC}}</ref> The transaction method with coordinate cards was intended to be officially removed as a transaction alternative, forcing users to download and use the official bank apps to do online transactions. This action caused complaints and concerns. Those controversies made CMF to postpone the law for August 2026. <ref>{{Cite web \|date=17 Jun 2025 \|title=Tras quejas en el sector financiero, CMF aplaza en un año la eliminación de tarjeta de coordenadas \|trans-title=After complaints in financial sector, CMF postpones for one year the removal of coordinate cards \|first=Sofía \|last=Pumpin \|url=https://www.df.cl/mercados/banca-fintech/tras-quejas-por-inconvenientes-para-adultos-mayores-la-cmf-aplaza-un-ano \|url-status=live \|access-date=27 Jan 2026 \|website=Diario Financiero}}</ref>

	===Insurance===		===Insurance===

ClippyWantsToHelp: /* Security risks */

2026-01-27T04:50:27Z

Security risks

← Older revision		Revision as of 04:50, 27 January 2026
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	===Security risks===		===Security risks===
	If there is a vulnerability in the app or any of its related components, it could be exploited by malicious entities, with the risk of leaking a massive amount of sensitive data ~~from~~ users. Scammers also could create duplicates of the original application to disguise it as the original app.		If there is a vulnerability in the app or any of its related components, it could be exploited by malicious entities, with the risk of leaking a massive amount of sensitive data of the app's users. Scammers also could create duplicates of the original application to disguise it as the original app to get the data of some users.

	===Issues in adverse circumstances===		===Issues in adverse circumstances===

ClippyWantsToHelp: /* Accessibility and affordability issues */

2026-01-27T04:47:53Z

Accessibility and affordability issues

← Older revision		Revision as of 04:47, 27 January 2026
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	===Accessibility and affordability issues===		===Accessibility and affordability issues===
	People with limited income or difficult economic situation is the most affected in this situation, ~~because there's a group of people who cannot~~ afford a smartphone or one that is compatible with the needed apps. Elders and disabled people also could have difficulties to use a smartphone and the apps ~~to get users' data~~.		People with limited income or difficult economic situation is the most affected in this situation, being unable or having difficulties to afford a smartphone or one that is compatible with the needed apps. Elders and disabled people also could have difficulties to use a smartphone and the required apps.

	===Security risks===		===Security risks===

ClippyWantsToHelp: /* Banking and finance */

2026-01-27T04:45:24Z

Banking and finance

← Older revision		Revision as of 04:45, 27 January 2026
Line 74:		Line 74:
	The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".		The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".

	On August 1, 2025, in Chile, the [https://www.cmfchile.cl/normativa/ncg_538_2025.pdf General Character Norm N° 538] came into force. <ref>{{Cite web \|publisher=CMF \|date=17 Jun 2025 \|title=REF.: NORMA SOBRE MEDIDAS SEGURIDAD Y AUTENTICACIÓN DE OPERACIONES SOMETIDAS A LA LEY N°20.009 \|trans-title=REF.: NORM ABOUT MEASURES, AND AUTHENTICATION SUBJECTED TO LAW N°20,009 \|url=https://www.cmfchile.cl/normativa/ncg_538_2025.pdf \|url-status=live \|access-date=27 Jan 2026 \|website=CMF Chile}}</ref> <ref>{{Cite web \|publisher=SERNAC \|date=04 Aug 2025 \|title=Recomendaciones tras entrada en vigencia de normativa que elimina tarjeta de coordenadas \|trans-title=Recommendations after enforcement of normative that removes coordinate cards \|url=https://www.sernac.cl/portal/604/w3-article-86685.html \|url-status=live \|access-date=27 Jan 2026 \|website=SERNAC}}</ref> The transaction method with coordinate cards was intended to be officially removed as a transaction alternative, forcing users to download bank apps to do online transactions. This action caused complaints and concerns. Those controversies made CMF to postpone the law for August 2026. <ref>{{Cite web \|publisher=CMF \|date=17 Jun 2025 \|title=Tras quejas en el sector financiero, CMF aplaza en un año la eliminación de tarjeta de coordenadas \|trans-title=After complaints in financial sector, CMF postpones for one year the removal of coordinate cards\|url=https://www.df.cl/mercados/banca-fintech/tras-quejas-por-inconvenientes-para-adultos-mayores-la-cmf-aplaza-un-ano \|url-status=live \|access-date=27 Jan 2026 \|website=CMF Chile}}</ref>		On August 1, 2025, in Chile, the [https://www.cmfchile.cl/normativa/ncg_538_2025.pdf General Character Norm N° 538] came into force. <ref>{{Cite web \|publisher=CMF \|date=17 Jun 2025 \|title=REF.: NORMA SOBRE MEDIDAS SEGURIDAD Y AUTENTICACIÓN DE OPERACIONES SOMETIDAS A LA LEY N°20.009 \|trans-title=REF.: NORM ABOUT MEASURES, AND AUTHENTICATION SUBJECTED TO LAW N°20,009 \|url=https://www.cmfchile.cl/normativa/ncg_538_2025.pdf \|url-status=live \|access-date=27 Jan 2026 \|website=CMF Chile}}</ref> <ref>{{Cite web \|publisher=SERNAC \|date=04 Aug 2025 \|title=Recomendaciones tras entrada en vigencia de normativa que elimina tarjeta de coordenadas \|trans-title=Recommendations after enforcement of normative that removes coordinate cards \|url=https://www.sernac.cl/portal/604/w3-article-86685.html \|url-status=live \|access-date=27 Jan 2026 \|website=SERNAC}}</ref> The transaction method with coordinate cards was intended to be officially removed as a transaction alternative, forcing users to download and use the official bank apps to do online transactions. This action caused complaints and concerns. Those controversies made CMF to postpone the law for August 2026. <ref>{{Cite web \|publisher=CMF \|date=17 Jun 2025 \|title=Tras quejas en el sector financiero, CMF aplaza en un año la eliminación de tarjeta de coordenadas \|trans-title=After complaints in financial sector, CMF postpones for one year the removal of coordinate cards\|url=https://www.df.cl/mercados/banca-fintech/tras-quejas-por-inconvenientes-para-adultos-mayores-la-cmf-aplaza-un-ano \|url-status=live \|access-date=27 Jan 2026 \|website=CMF Chile}}</ref>

	===Insurance===		===Insurance===