I just want banking apps to give me a widget where I can always see my balance
Fuck your "security reasons" I have $200 in my bank and knowing that amount at a glance is a godsend for budgeting
I would just be super stoked if the app my bank provided were not the single biggest laggy, poorly optimized, inscrutable user interface, godawful piece of shit in the entire world. I've seen Reverse Polish Notation calculators from the 1970's that are less irritating to use.
For instance, about a decade after everyone else offered this feature, I can now finally remote deposit a check. This process requires sitting through eight loading screens in total. Eight. Clicking on things in the main menu for some reason takes 3-5 seconds to register. Or my favorite, it lags so much at what should ostensibly be idle that it literally drops keystrokes which includes those in your password on the login screen.
If I ever find who developed this crap, I will slap them with the rubber chicken so hard their feet will leave the floor. Mark my words.
Credit unions bro
My credit union's app is also laggy as hell, and it's a CU that's specifically for tech people. They don't even have a tap debit card yet.
Still better than every commercial bank, of course.
"Budgeting"
Going by your balance is going to fuck you over one day when something you bought a week ago decides to post after you've forgotten about it. But if that's what you want, most banks have text banking where you can just text bal or something t9 easily get your balance.
Then let me be fucked.
Still better than having to do 2fa every time I open my app. You know, if it's working that day
Do people just not know their financials without constantly checking...how can you not remember that you have $200?
The internet and ease of access has honestly ruined people's minds. Nobody uses their brain anymore and they need phones to tell them everything. Sad really..
Because I have bills that don't post immediately, don't be pretentious
That, and it's a good diagnostic tool to determine if e.g. you have shady utility companies who like to try to double-post your payments, or screw up and don't cash your check/take your payment and don't inform you about the problem, but then later try to get up your nose about being "late." Both of these things have happened to me at some point in history through no fault of my own.
Or to just catch suspicious/fraudulent charges in general, which I think these days especially everyone will agree is a potential happenstance.
What "ought" to be is one thing, but being able to readily check what actually is, is also vital. I always check my transaction records regularly to make sure nothing is going on behind my back that I ought to know about.
Everyone is different. Get over yourself
Sometimes people are WRONG. Learn to understand that. Demanding convenience over security is a seriously stupid take.