Forced app download: Difference between revisions

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[[File:Forced app download - Citibank Singapore.png|thumb|Citibank Singapore has deliberately disabled many basic functions such as rewards redemption on its website since 2024, forcing users to download and use their mobile app as an "alternative".]]

The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".

On August 1, 2025, in Chile, the [https://www.cmfchile.cl/normativa/ncg_538_2025.pdf General Character Norm N° 538] came into force. <ref>{{Cite web |publisher=CMF |date=17 Jun 2025 |title=REF.: NORMA SOBRE MEDIDAS SEGURIDAD Y AUTENTICACIÓN DE OPERACIONES SOMETIDAS A LA LEY N°20.009 |trans-title=REF.: NORM ABOUT MEASURES, AND AUTHENTICATION SUBJECTED TO LAW N°20,009 |url=https://www.cmfchile.cl/normativa/ncg_538_2025.pdf |url-status=live |access-date=27 Jan 2026 |website=CMF Chile}}</ref> <ref>{{Cite web |publisher=SERNAC |date=04 Aug 2025 |title=Recomendaciones tras entrada en vigencia de normativa que elimina tarjeta de coordenadas |trans-title=Recommendations after enforcement of normative that removes coordinate cards |url=https://www.sernac.cl/portal/604/w3-article-86685.html |url-status=live |access-date=27 Jan 2026 |website=SERNAC}}</ref> The transaction method with coordinate cards was intended to be officially removed as a transaction alternative, forcing users to download bank apps to do online transactions. This action caused complaints and concerns. Those controversies made CMF to postpone the law for August 2026. <ref>{{Cite web |publisher=CMF |date=17 Jun 2025 |title=Tras quejas en el sector financiero, CMF aplaza en un año la eliminación de tarjeta de coordenadas |trans-title=After complaints in financial sector, CMF postpones for one year the removal of coordinate cards|url=https://www.df.cl/mercados/banca-fintech/tras-quejas-por-inconvenientes-para-adultos-mayores-la-cmf-aplaza-un-ano |url-status=live |access-date=27 Jan 2026 |website=CMF Chile}}</ref>

===Insurance===

@@ Line 73: / Line 73: @@
 [[File:Forced app download - Citibank Singapore.png|thumb|Citibank Singapore has deliberately disabled many basic functions such as rewards redemption on its website since 2024, forcing users to download and use their mobile app as an "alternative".]]
 The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".
+On August 1, 2025, in Chile, the [https://www.cmfchile.cl/normativa/ncg_538_2025.pdf General Character Norm N° 538] came into force. <ref>{{Cite web |publisher=CMF |date=17 Jun 2025 |title=REF.: NORMA SOBRE MEDIDAS SEGURIDAD Y AUTENTICACIÓN DE OPERACIONES SOMETIDAS A LA LEY N°20.009 |trans-title=REF.: NORM ABOUT MEASURES, AND AUTHENTICATION SUBJECTED TO LAW N°20,009 |url=https://www.cmfchile.cl/normativa/ncg_538_2025.pdf |url-status=live |access-date=27 Jan 2026 |website=CMF Chile}}</ref> <ref>{{Cite web |publisher=SERNAC |date=04 Aug 2025 |title=Recomendaciones tras entrada en vigencia de normativa que elimina tarjeta de coordenadas |trans-title=Recommendations after enforcement of normative that removes coordinate cards |url=https://www.sernac.cl/portal/604/w3-article-86685.html |url-status=live |access-date=27 Jan 2026 |website=SERNAC}}</ref> The transaction method with coordinate cards was intended to be officially removed as a transaction alternative, forcing users to download bank apps to do online transactions. This action caused complaints and concerns. Those controversies made CMF to postpone the law for August 2026. <ref>{{Cite web |publisher=CMF |date=17 Jun 2025 |title=Tras quejas en el sector financiero, CMF aplaza en un año la eliminación de tarjeta de coordenadas |trans-title=After complaints in financial sector, CMF postpones for one year the removal of coordinate cards|url=https://www.df.cl/mercados/banca-fintech/tras-quejas-por-inconvenientes-para-adultos-mayores-la-cmf-aplaza-un-ano |url-status=live |access-date=27 Jan 2026 |website=CMF Chile}}</ref>
 ===Insurance===