Felicitas PojtingerNew idea: Neobank specifically for digital sovereignty, from the app running on Linux/without SafetyNet and other nonsense to the servers running on local infrastructure
People need banking and payment apps to work on Linux mobile for it to work. Obviously to only real "fix" for this is a regulatory one that declares SafetyNet a monopolistic control mechanism, which it is.
But also, with fintech stuff getting easier and easier, I wonder if creating at least an open _banking_ app should be possible. Yes, various countries require push-based 2FA, but nothing locks you into Google/Apple here on Linux. I wonder how the payments situation would be ...
I kind of want to check whether Visa/Mastercard have any requirements for SafetyNet etc.
to work in order for a digital payments solution (in Germany, the contactless "Mobiles Bezahlen" app vendored by Volksbank for example works completely w/o Google Wallet and works everywhere contactless works, but requires SafetyNet).
Also, we can check for different safety signals on Linux systems, like whether measured boot passed and SecureBoot is enabled (GNOME has that under the "Security" tab in settings,
and it's failing on my system bc I don't have SecureBoot enabled) Maybe what Amutable is working on could also fit into this.
Marvin W@felicitas.pojtinger.com they don't require this. There's various commercial apps that allow to do contactless payments via Visa/MasterCard schemes without requiring SafetyNet, https://www.curve.com/ probably being the most popular (EU users only).
Clayton@felicitas.pojtinger.com do bank websites not work? I'm in the US, and all of the banks I use have websites that are at least *usable* on mobile devices without apps.
Rene Raggl 🇪🇺 🇺🇦 🇬🇱@craftyguy @felicitas.pojtinger.com Many European banks have shifted from separate TOTP hardware tokens ("identifiers") to making the use of their app mandatory to log into their website.
This severely limits accessibility from platforms should Google one day decide to fully block banking apps from working on alternative OSes like Graphene, eOS, Lineage, Sailfish or Linux on mobile.
Antonio J. Delgado@felicitas.pojtinger.com
Banks usually provide an alternative to mobile banking apps like key generators (at least in Sweden, Finland and Spain). So I always thought about those apps running in Linus as a good to have but not a need
Banks usually provide an alternative to mobile banking apps like key generators (at least in Sweden, Finland and Spain). So I always thought about those apps running in Linus as a good to have but not a need
@felicitas.pojtinger.com I was seriously thinking about this idea at some point. The problem really is to find the initial funding to get this started. We're talking about ~5 million € just to set up infrastructure, get necessary licenses and so on, plus ongoing cost of likely ~1 million € or more a year.