FNB Android app permissions explained

icyrus said:
Exactly, and if they can make a fair bit of extra money by selling your data to marketers why wouldn't they?
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Then let them buy,only marketers wasting their money trying to contact me
 
icyrus said:
Exactly, and if they can make a fair bit of extra money by selling your data to marketers why wouldn't they?
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Do not for one second think that the banks don't do that... but its data they obtain legally, they don't need to be underhanded to get the data.

The potential cost involved in "spying" on its customers is not worth it for the banks.
 
ToxicBunny said:
Do not for one second think that the banks don't do that... but its data they obtain legally, they don't need to be underhanded to get the data.

The potential cost involved in "spying" on its customers is not worth it for the banks.
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If "legality" has to be brought into the equation, then it is troubling that here and around the world, more and more "spying" is being legislated into all government and business concerns as best-practice: ID systems, biometrics, mandated back-doors in telco equipment, FICA and RICA registrations, "know your customer" campaigns, deep-diving third-party web analytics on all sorts of presumably-privileged web pages, second hand goods trade surveillance, cellphone kill-switches, car black boxes, vehicle telemetry for insurance etc. etc. etc.

Just because it's "legal" now, doesn't mean it's a healthy idea we should build on in the future...

Q: I've not delved into FICA and how it applies to bank processes - can anyone tell me how broadly it governs the monitoring of various activities that banks perform or could possibly perform. Is it down to core transactions? Or, as here for example, if the bank starts a bank-run social network, could FICA laws make it necessary to ensure activities on this new network are also forwarded to the FICA task centres?
 
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Ok,

Honestly, you need to just sell everything you own, go build a little log cabin somewhere far away from civilisation and then live off the land. It seems to be the only way to potentially control your paranoia.
 
ToxicBunny said:
Ok,

Honestly, you need to just sell everything you own, go build a little log cabin somewhere far away from civilisation and then live off the land. It seems to be the only way to potentially control your paranoia.
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Never mind a tinfoil hat, he needs a tinfoil hut.
 
BANKS DO NOT SIT AND SPY ON ITS CLIENTS ALL DAY LONG.

As long as you pay your debts and not commit fraud, then you are fine. However, if you default on your debt or lie on a loan application and you start running away, that is when this app will become useful to the bank. Not only to pinpoint your exact location when their fraud investigators go with the police to arrest you, but also get the Sheriff that much needed address to serve court orders.

This has the potential to save banks millions of Rands spent on debt collectors, getting court orders every time a client moves away when they need to serve documents, and millions more in administrative costs. Don't, for one moment, think they will not use this information - gathered legally by their app from your mobile phone - when needed.
 
House said:
BANKS DO NOT SIT AND SPY ON ITS CLIENTS ALL DAY LONG.

As long as you pay your debts and not commit fraud, then you are fine. However, if you default on your debt or lie on a loan application and you start running away, that is when this app will become useful to the bank. Not only to pinpoint your exact location when their fraud investigators go with the police to arrest you, but also get the Sheriff that much needed address to serve court orders.

This has the potential to save banks millions of Rands spent on debt collectors, getting court orders every time a client moves away when they need to serve documents, and millions more in administrative costs. Don't, for one moment, think they will not use this information - gathered legally by their app from your mobile phone - when needed.
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And just what is wrong with that scenario? You seem to be advocating evading justice?
 
Sinbad said:
And just what is wrong with that scenario? You seem to be advocating evading justice?
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Not at all.

The OP in this thread asked why the app requires so many permissions. No banking app really needs this. There is a much deeper reason for these permissions behind this banking app offering communication services, messaging services, social services, in addition to its normal banking services. Some people are just too daft to see behind this and ask the correct questions to the right people.

And, that being said, as long as you know that the bank do have access to all this type of information and logging it somewhere on a secure server for them to use when needed, and you are fine with it, then I see no problem with any person who still wants to use it.

Sinbad said:
You seem to be advocating evading justice?
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This is a very stupid statement to make. No one has a legal obligation to hand him or herself over to authorities or organizations when they are in debt. No one has a legal obligation to install tracking software when in debt. So, by not making use of the app will not equate to evading justice at all.

By installing and using the app on your device, you actually just make it easier for banks to locate you and start civil processes of debt collection.
 
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icyrus said:
Exactly, and if they can make a fair bit of extra money by selling your data to marketers why wouldn't they?
Click to expand...

Exactly, it's not what they are being paid for. Unless me and fnb go into some kind of business agreement where I get a share of those profits, I want nothing to do with it.

Their application security is their own stupidity. But not many people will care.
FNB could just have made the application do what its supposed to do, and give a separate app for the other things. But then they will be exposed for asking for things that the app is not supposed to need.
 
Fingolfin said:
I'm presuming Privacy Guard claims to properly protect your digital privacy?

From your sig: "Extraordinary claims require extraordinary evidence."
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It doesn't claim anything. I use it because it keeps tabs on where my private data is going. :)
In this case it would neuter the FNB app's permissions.
 
Conack said:
It doesn't claim anything. I use it because it keeps tabs on where my private data is going. :)
In this case it would neuter the FNB app's permissions.
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>> "it keeps tabs on where my private data is going"

But who watches the Watchers? ;) And if the data is private, why let it go anywhere?

>> "In this case it would neuter the FNB app's permissions"

...that's what it claims... ;)

Every solution creates another nine problems.
 
I think you misunderstand, Privacy Guard is part of the OS. It's not an app you can download.

Having been released with Android 4.3 iirc, Google retracted it later, claiming it's not what they intended, or some such nonsense. But Cyanogenmod, ParanoidAndroid and such have kept it in their releases a for obvious reasons.
 
Security is the last thing I worry on a phone, dont have a lockscreen password, and sim security is taken off. Dont really care, fnb can have all my contacts if they like
 
blaaislaai said:
Security is the last thing I worry on a phone, dont have a lockscreen password, and sim security is taken off. Dont really care, fnb can have all my contacts if they like
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Phone stolen
No pass lock
Facebook logged in
Finds out where you live
Email logged in
Finds ID number, account numbers, account passwords or resets them for you.
Person now has ID, SIM card and proof of address and can correspond as you.
Any two pass security is rendered useless, he will receive bank OTPs on your cell.


...it's a bit of a stretch but unless you use a brick a person is actually very exposed.
 
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This post is 10 years + after the most recent

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Anyone notice that FNB is now asking for permissions for "Phone" now on Android? I thought permissions for "Location" access was invasive enough.
 
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