this post was submitted on 18 Mar 2026
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The whole issue with banking apps must seem strange to people in some countries, and make perfect sense to people in other countries. My whole country rely on a 2FA app made by the banks. It's in every aspect of society. Buying a bus ticket, booking a time for health care, doing taxes, applying for an apartment, signing contracts, all done with the same banking app. Only people with stallmanesque convictions manage without, with lots of effort. So far that app works on e/os/ and GrapheneOS, but not regular desktop Linux.
Oh, that's a terrifying single point of failure.
2FA is the opposite of a single point of failure though. In order to impersonate you someone has to have access to your authentication device and your master password. There are no passwords to remember or get leaked/stolen, and you still have traditional identification and a physical backup in the form of codes or an authentication device.
In Sweden it's like a minute of your time to set up a new phone, or at worst a trip to the bank if you lost your authenticator.
It also has a screen showing what information or authorization is being requested so that it's much harder to get scammed.
I think they meant that the single app by all banks can go down through backend crash, buggy/malicious app update, etc.
I guess, but I've gone without BankID for about month previously. (It was my own fault for procrastinating multiple things.) You don't need it; it's just very convenient.
I'm having difficulty envisioning a malicious update. There's a lot of transparency and regulations.
Ah right, that makes sense. If it were like upi or pix, and had single point of failure, it would have been scary.
I'm not familiar with those and would be interested to learn what's bad about them.
Ah, no, sorry about the miscommunication.
Upi is massive in India. Big to the point that not having access to it is more than an inconvenience, it will be like Microsoft going down.
However, it is technically a protocol with federated servers and apps. Hence, there's no single point of failure.
I meant to say if a crucial system with a single point of failure had no alternatives, it would have been scary.