References: changing cats with AWB
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*Government tax agency charging a user "excess carbon footprint" taxes because they often order a lot of clothes beyond the number that the "Average" person of their profile wears, based on what the user's favorite fast fashion retailer with forced app download is sharing with them.
*Government tax agency charging a user "excess carbon footprint" taxes because they often order a lot of clothes beyond the number that the "Average" person of their profile wears, based on what the user's favorite fast fashion retailer with forced app download is sharing with them.


===Discrimination===
===Accessibility and affordability issues===
Those who can not or do not have the required technology are further disadvantaged.  Not everybody can afford a smart phone.  Not everybody can operate one, differences in visual ability, physical ability, mental ability (e.g., dementia) can make smart phones unusable. Visitors, tourists, and those who have had a device lost, stolen or broken lose out.  If banking requires an app, and your phone breaks, how does one get the money to buy a replacement?
People with limited income or difficult economic situation is the most affected in this situation, because there's a group of people who cannot afford a smartphone or one that is compatible with the needed apps. Elders and disabled people also could have difficulties to use a smartphone and the apps to get users' data.


===Decreased security===
===Security risks===
If many people are using an app for valuable transactions, the app may become a target for malware. (Create fake versions of the app, exploit weaknesses in the app, etc.
If there is a vulnerability in the app or any of its related components, it could be exploited by malicious entities, with the risk of leaking a massive amount of sensitive data from users. Scammers also could create duplicates of the original application to disguise it as the original app.


===Increased vulnerability in adverse circumstances===
===Issues in adverse circumstances===
It may become harder to function in emergency situations. If network connections are unavailable, or power is out for an extended period, how does one get necessities? 
The applications might become useless or have limited functions if there is no internet connection. If the device is out of battery, broken or has been stolen, the user will be temporarily unable to access to the app. In worse scenarios, another person could access to the app and do malicious activities (such as taking or spending the user's money or scamming other people)


When errors are found in the app, one may lose access to important services.  With a web browser, one has alternatives. What are the alternative to the app?
Bugs could also lead to problems in the app's functionality and might cause issues when doing an action in the app.


In domestic violence, control of devices can be one of the ways to control a person.  If a device is needed to access the bank, then whoever controls that device may control the money.  Even if the victim gets physical possession of a device, the other party may be able to remotely manipulate it.[[File:Digital turbine logo .png|alt=digital turbine logo |thumb|digital turbine logo ]]
 
[[File:Digital turbine logo .png|alt=digital turbine logo |thumb|digital turbine logo ]]
[[File:No unverified apps.png|thumb|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]
[[File:No unverified apps.png|thumb|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]