Banking, entertainment services, e-commerce used to be easily accessible from a browser but now are gradually phased out in favor of a native apps, why?

Submitted ⁨⁨10⁩ ⁨months⁩ ago⁩ by ⁨brandneworld@feddit.de⁩ to ⁨[deleted]⁩

Does the end user really prefer apps over a web interfaces? Do native apps bring some security benefits? Isn’t maintaining apps for every single operating system and phone model out there more costly and time consuming than offering universally accessible web interface that works on any device? Isn’t creating apps for every single product out there essentially about data collection?

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tmRgwnM9b87eJUPq@lemmy.world ⁨10⁩ ⁨months⁩ ago
The main reason is to be on the users Home Screen, just one tap away from being on the app. Also, push notifications, pulling people back into the app.

Also there is a security benefit. Phones are protected quite well, so it is safer to keep a user signed on the device and maybe only a PIN or biometrics in front of the app to open it. The apps run in an isolated space, making it even safer.

Lastly there can be a performance benefit. Websites are written in HTML, CSS and JavaScript which is compiled on demand, while apps can be written in languages which are pre-compiled.

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Kushan@lemmy.world ⁨10⁩ ⁨months⁩ ago
The banking app I use takes advantage of on device biometrics and in terms of payments, the secure element in my phone. I trust it more than I trust a browser.

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LemmyRefugee@lemmy.world ⁨10⁩ ⁨months⁩ ago
A web page is more secure than an app, on theory. That’s because you can’t see the source code, tokens or whatever they use to build it. It’s called a ‘backend’. However, an app is insecure by default so there is a lot of tricks that must be done to secure it (for example Oauth 2.0 flow with pkce). And the software they use to gather the data to show (APIs) must be built better.
So… why then? It’s all about having the means to deliver the experience that the bank wants. Look at voyager app for Lemmy, for example. Why people want a iOS version when the PWA exists? Because it simply works better as a native app.

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- fraret@lemmy.world ⁨10⁩ ⁨months⁩ ago
  Your whole first paragraph is pure nonsense
  
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  - LemmyRefugee@lemmy.world ⁨10⁩ ⁨months⁩ ago
    A web page is not easier to secure than a native app? Ok for you, that’s my experience.
    
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ramblechat@lemmy.world ⁨10⁩ ⁨months⁩ ago
My main worry is that if I lose my phone or it’s stolen, especially if I’m overseas,I won’t be able to access a lot of sites due to the 2 factor authentication. A lot of sites don’t have alternative 2fa methods, only SMS or through the app. I’ve been trying to think of a way to access these sites if overseas and my phone gets lost or stolen, the only thing I can think of is to take my sim out and hide it, and buy a local sim when in a new country. If I need 2FA I put in my old sim, but for day to day stuff use the local sim. If the phone gets stolen / lost, I’ve not lost the 2FA capability.

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