I don't mind if banks/govs require use of some protocol. But forcing use of specific apps goes against past achievements to make public institutions use open formats and protocols, so I reject that where possible, or complain.
It should not be acceptable. I still remember times when people had to pirate MS office to be able to open some .doc from their gov, or use MS windows to run some proprietary form filling software. That's mostly a thing of the past, thankfully. "My-app or highway" attitude feels like a setback in that regard.
And I wish I could just switch banks but in some situation it's not possible and in the country I currently live in, it seems that now no banks support 2fa SMS for any transaction above a tiny amount anyway.
You don't need a phone just to display an image...
Most people act as if Mobile Phone and Apps doesn't matter. It does and increasingly so. I think the argument would have some ground in 2015 or 2018. But in 2020 and forward looking into 2025 and 2030 there is no denying, phone is acting like an infrastructure, whether we like it or not.
