True. But I can't imagine what the would be, honestly. I get along fine without using my smartphone for anything of importance -- especially banking -- even though I'm constantly told that's not possible.
I don't know. Companies can get annoyingly creative with this kind of stuff.
About banks and smartphones, it's a tangent but by chance my bank haven't managed to force us to have a smartphone to deal with it so far. They are trying hard though.
For months they have been displaying on web transactions that paying on the web would require the app in a few weeks. Now they just say passive-agressively that it would have been easier with the app because I would not have to type the second code we have to enter without it (except I actually saw how it works with the app and it's not even much more convenient).
I guess we are enough users to have not installed the app.
And indeed, at this point nothing in my life requires a smartphone. It's merely convenient for directions and for showing QR Codes to whatever machine which wants to see some in transport networks.
