Why I Discard Mobile-Only Apps
I am not a fan of mobile-only applications, including cryptocurrency wallets.
Whatever the quality of the cryptocurrency application, if the software can't be installed or accessed using a desktop or laptop computer, I don't like it.
I avoid cryptocurrency and other service applications that force verification through a smartphone and QR Code.
Why I don't like mobile-only apps.
Mobile apps are data funnels to collect personal and private data.
When you use your smartphone app to scan a QR Code and continue to pay money, you accept to embrace the vulnerabilities of data harvesting and hacking.
The smartphone app stores of Apple and Google don't guarantee there wouldn't be any security loopholes in the mobile apps you download and install.
Be careful about mobile apps.
Install only the very essential mobile apps.
Do not always keep mobile apps logged in, especially for financial services.
Mobile apps can access the entire mobile device, including the camera, microphone, folders, files, address book, etc.
Mobile apps are data funnels to track and collect users’ private data.
Uninstall the mobile apps which you do not need anymore.
Conclusion
Many friends and family sometimes laugh at my apathy about using smartphones for financial transactions.
Smartphones take you to a convenience that can be carried while you travel and make payments outside your home or hotel room.
It is also true that mobile apps can access the entire mobile device, including the camera, microphone, folders, files, address book, etc.
Mobile apps are data funnels to collect users' private data including security credentials for financial services, such as credit card numbers, mnemonic seed phrases of cryptocurrency wallets, etc.
Data hackers and governments take advantage of our love for smartphone use.
Postscript
I don't use software applications that don't support web applications.
That is why I haven't yet used mobile wallet services with the Indian government's Universal Payment Interface (UPI).
The same reason prevents me from installing the Zapit app because they don't have any web app for using it on a desktop or laptop computer!
"I have to use an application only on a smartphone" is not acceptable to me.
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Nov 16, 2022
I kind of disagree. There’s no reason this does t happen on desktop apps either. In fact, in many cases it’s worse because there’s no checks and balances for systems where sideloading is rife.
But take for example apps that appear on iOS. If you turn on Private Relay and AppTracking then apps can’t track you because Apple screws up the data that apps would use to track you. You don’t get this protection on webpages because pages can circumvent these protects, although Safari does have some real smarts to circumvent the circumventers.
Desktop apps are notorious for foul behaviour and I spent 18 years of my life sorting the end results of bad apps.