HTC cocked up *Vulnerabilities*

[Diamond Hell]

In your defensiveness you are missing my point. Android will always be at risk due to the inconsistencies that exist through its selling technique. Putting an OS on phones with huge variations of hardware means it will always have issues.

I totally got your point.

Didn't seem to stop a whole lot of people building apps for PCs, which they still do.

The problem is the concept that an 'app' is needed to access services such as banking.

What's wrong with browsers?  There's already a complete security model around HTTPS data transfer, coupled with PITA second factor devices currently being handed out by banks like HSBC.

The whole BS app thing has become part of the commercialisation of the web - companies wanting to take you off the web, into their third party environments, just using the internet as a transfer medium.  The app circus isn't necessary in a lot of examples and it stinks like sh*t.

If people could pull away from thinking they need endless apps they might see they should just need a browser for a lot of stuff.

ANY device will be at risk.  Apple lock theirs down and make it usable by any idiot.  They also control the whole buying eco-system.  It's just a big money making machine for a big web company.  If you want to let them own your whole online experience go for it.  I'd rather take the risk of using a spread of providers who don't have a monopoly on my life.

[JulesS3]

I have always jailbroken so im not fussed that apple lock it down.

Apps provide quicker features and more usability. I have apps which i have password locked on my phone, i dont with my browser as i use it so much and would become annoying. On my phone the browser is slow to load and if not on 3G the page is even slower due to the crap that loads with it. On an app the data is faster, more accesible and easier to read.

[Diamond Hell]

On my phone the browser is slow to load and if not on 3G the page is even slower due to the crap that loads with it. On an app the data is faster, more accesible and easier to read.

I don't think apps get 'accelerated data' do they?

Surely once you've been to a website and the files are cached the browser will be just as fast, if not faster as it's had more effort put in to optimise it, than a propietary app?

[JulesS3]

Of course the average user know how to do this.......no

The average user knows how to use an app though. No it doesnt have acclerated data, but it loads less and requires less processing power than a browser with several pages in use loading adverts etc etc

[Diamond Hell]

Of course the average user know how to do this.......no

How to do what?  I'm confused.  Browser caching just works.

The average user knows how to use an app though. No it doesnt have acclerated data, but it loads less and requires less processing power than a browser with several pages in use loading adverts etc etc

My bank's webpages don't have any adverts and I can shortcut straight to the login page easily.

The pages don't change much, so I will have the images all cached after the first visit.

The 'average user' generally knows how to use a browser - it's something they've been doing for years.  Creating apps to do things a browser can do is just a waste of dev time.

The browser only takes up more space if it's in use for several pages.  As before - browsers have had a lot of development put into them, by large teams.  An app is more likely to have security holes because it won't have had the same concerted, long term development effort, delivered by a large team.

The only reason for the proliferation of apps for fatuous applications is because the marketing department loves saying 'we've gotta have an app for that'.  It's often not needed.  What's needed is a website based on responsive design principles.

[JulesS3]

Of course the average user know how to do this.......no

How to do what?  I'm confused.  Browser caching just works.

The average user knows how to use an app though. No it doesnt have acclerated data, but it loads less and requires less processing power than a browser with several pages in use loading adverts etc etc

My bank's webpages don't have any adverts and I can shortcut straight to the login page easily.

The pages don't change much, so I will have the images all cached after the first visit.

The 'average user' generally knows how to use a browser - it's something they've been doing for years.  Creating apps to do things a browser can do is just a waste of dev time.

The browser only takes up more space if it's in use for several pages.  As before - browsers have had a lot of development put into them, by large teams.  An app is more likely to have security holes because it won't have had the same concerted, long term development effort, delivered by a large team.

The only reason for the proliferation of apps for fatuous applications is because the marketing department loves saying 'we've gotta have an app for that'.  It's often not needed.  What's needed is a website based on responsive design principles.

I dont think you are viewing it from a normal perspective. No we dont need apps, yes you can just go to a website. The average uses does 'want' an app and the average user wants the business they are using to provide one. What people need and what they want are very different things mate.

[Diamond Hell]

I dont think you are viewing it from a normal perspective. No we dont need apps, yes you can just go to a website. The average uses does 'want' an app and the average user wants the business they are using to provide one. What people need and what they want are very different things mate.

Wants and needs are down to education mostly.

People need educating that they can access their bank's online banking on their phone in a browser rather than needing a totally unnecessary app which will be no faster (as you were trying to make out) and more likely to have security vulnerabilities on any platform.

There are no 'average users'.  There are just people and most people can be educated.  Who educates them shapes what they want and need.  If you let marketing educate them then they'll want all sorts of mis-guided things.

Don't address me as mate, it's over-bearing and patronising, neither of which I take well from a nipper like you.

[JulesS3]

Seeing as i can use phrases i like on a public forum, as long as they are not generaly deemed abusive, i will continue to thanks mate.

Anyway mate, as i was saying. An app is faster than a browser. Open your browser (fesh, not while multitasking) and go to your bank, enter details etc etc

Open an app, enter details, done mate. You see what i mean?

Any way mate, apps will continue to dominate over other forms of use as they are simple and quick.

Cheers mate

[Diamond Hell]

An app is faster than a browser. Open your browser (fesh, not while multitasking) and go to your bank, enter details etc etc

Open an app, enter details, done mate. You see what i mean?

I don't have an app for my bank, nipper.

It would be no faster than using a browser, little boy.

You would probably need to log in for an app, or a browser session, so there's no advantage there. 

Banks tend to be quite twitchy about the security of sessions left open without regular validation, whatever the connection method.  It's not like mobile phones have a fixed IP (which could be spoofed anyway).  This is why banks are starting to use two-factor authentication.  You can't get an app for that.

There's about an extra click involved in getting to the login page using a browser.  Is it really worth massive investment to remove that one click?  I doubt it.  In fact here's what Barclays has to say on the subject:

Our Mobile banking service works on all major mobile phone brands, including Apple iPhone, Samsung, Sony Ericsson, HTC and Nokia

By the looks of it Natwest are using someone else's app (always confidence building) and there are a lot of other whining numpties asking why other banks aren't doing an iPhone app.

Possibly because they realise a browser is more secure than a third party app, but you probably know better than them, right nipper?

[JulesS3]

Possibly because they realise a browser is more secure than a third party app, but you probably know better than them, right nipper?

Exactly, though on IOS the app could be made secure due to the OS being the same through every iPhone, unlike android which has too many variants......finally!

Oh and i actually have no issue with names such as nipper, i dont get upset from a name