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Bank tells customers to disable updates and not upgrade to iOS 16

coutts.com

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Re: Bank tells customers to disable updates and not upgrade to iOS 16

#251

Post by MrBump_ »

drexlspivey wrote: post #107

On the other hand here’s the email I received from Revolut (European neobank similar to cashapp) yesterday: Apple sent out a notification on Wednesday 17 August warning of two security issues within their operating system, and advised users to update their devices to the latest version to resolve them. As you've previously accessed your Revolut account from an iOS device, we advise you to follow this recommendation a…

As an aside, cash app is pretty different to Revolut. The former is a payments platform and the latter is a bank. I think the US doesn't really have much of a true equivalent given their sclerotic retail banking sector (how on earth do the big banks get away with charging for current accounts, inter-account payments, cash withdrawals... it genuinely beggars belief)

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#252

Post by mrtksn »

xeromal wrote: post #210
JumpCrisscross wrote: post #33

Earlier quoted context omitted.

> they can't even be bothered to keep their mobile app up to date Guessing their clients aren’t banking via mobile apps, their staff having lines to their banker. Most top-tier private banks barely have an online presence. If you want something, you (or your assistant) calls or texts your banker.

Definitely true. I'm with a bank that feels like I might be their poorest client. They do have a nice app, but the real benefit to working with them is that I have a banker on standby that I can call or email for anything. Wonder why a transaction was denied? Shoot an email with a screenshot. Want 500$ of Moroccan Dirhams for your next trip? Shoot a text and they'll put together a package + a few sweets for you to pi…

Is the concierge the main benefit?

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#253

Post by judge2020 »

MrBump_ wrote: post #251
drexlspivey wrote: post #107

On the other hand here’s the email I received from Revolut (European neobank similar to cashapp) yesterday: Apple sent out a notification on Wednesday 17 August warning of two security issues within their operating system, and advised users to update their devices to the latest version to resolve them. As you've previously accessed your Revolut account from an iOS device, we advise you to follow this recommendation a…

As an aside, cash app is pretty different to Revolut. The former is a payments platform and the latter is a bank. I think the US doesn't really have much of a true equivalent given their sclerotic retail banking sector (how on earth do the big banks get away with charging for current accounts, inter-account payments, cash withdrawals... it genuinely beggars belief)

It's effectively a banking app, they just don't call it that: https://cash.app/help/us/en-us/1113-direct-deposit

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#254

Post by Cederfjard »

traceroute66 wrote: post #247
Cederfjard wrote: post #239

Earlier quoted context omitted.

> If you want truly exclusive, you have to cross the road and walk a bit further down the Strand to Fleet Street. So if you can’t “buy your way in” to these banks, what are the criteria?

> So if you can’t “buy your way in” to these banks, what are the criteria? First you will need to be "introduced" to the bank by an existing customer. We're not talking about a referral link here, we're saying who introduces you is just as important as who is being introduced (i.e. long-standing customer vouching for an introduction gets more weight than a newbie trying to get a mate in). Second, if the introduction…

Thanks, that’s insightful. What’s an example of one of these banks?

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#255

Post by noahtallen »

Bilal_io wrote: post #229
joshmanders wrote: post #109

Earlier quoted context omitted.

> The problem here is that modern libs and standards change so fast (similar to JS) that it really is hard for anyone without a megacorp's worth of software dev employees to keep up. Are you so sure of this? I have apps that haven't been updated in years that still run on my iPhone 13 Pro Max using latest iOS.

I am not an iOS dev, but is it possible that banking apps (and I admit they're slow at adapting) depend on certain APIs that have changed, or Apple deciding to enforce a use of a specific API for a specific type of apps? I am asking to learn.

It’s definitely possible. But iOS deprecated APIs, iirc, it doesn’t just delete them. (At least that’s what I remember from iOS dev four years ago.)

I conjecture that the bank didn’t bother to test the app on a new version of iOS until this week, found a major bug, and knew they couldn’t fix it fast enough.

But they could have tested three months ago when the beta came out, and any major issues (like using an old API) probably would have occurred then.

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#256

Post by noahtallen »

KerrAvon wrote: post #203
noirbot wrote: post #137

Earlier quoted context omitted.

That's been how it's been for years now. Every year. I'm sympathetic to the argument that that's not enough time, but if your company has a mobile app on iOS and you're not planning to do this work every summer in time for the September release then it's a pretty major failure of planning.

If you need to do months of work every summer to keep up with iOS updates you need to look at what you’re doing wrong, unless you’re simply adopting new features every time. Things should generally just work. Apple doesn’t usually break well-behaved apps (usually).

You just need to plan to test your apps every Summer. And maybe extra time for implementing new platform features, like log-in with Apple and whatnot. But it’s still a yearly routine!

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#257

Post by Thlom »

tialaramex wrote: post #214
rco8786 wrote: post #157

Earlier quoted context omitted.

That’s quite a jump there. One bank is bad at maintaining their app all the way to a blanket statement about rich people and technology.

I'd definitely have gone to banks are terrible at IT rather than rich people. I am not a rich person, although I'm comfortable, but several of my banks are terrible at IT. Like "We are upgrading our web site so it won't be available until Tuesday" level bad at IT. Note that wasn't just "Some services won't be available", the whole web site was out of action for most of a day. It's disappointing but understandable if…

Never had any problem like this. I’ve essentially been doing all my banking online for as long as I’ve had any banking to do. So 20+ years or so. Can’t really remember any significant downtime or problems. Biggest problem I’ve had with a bank tech-wise is that my current bank refuses to support Apple Pay. Considering switching banks because of this.

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#258

Post by Phelinofist »

traceroute66 wrote: post #247
Cederfjard wrote: post #239

Earlier quoted context omitted.

> If you want truly exclusive, you have to cross the road and walk a bit further down the Strand to Fleet Street. So if you can’t “buy your way in” to these banks, what are the criteria?

> So if you can’t “buy your way in” to these banks, what are the criteria? First you will need to be "introduced" to the bank by an existing customer. We're not talking about a referral link here, we're saying who introduces you is just as important as who is being introduced (i.e. long-standing customer vouching for an introduction gets more weight than a newbie trying to get a mate in). Second, if the introduction…

"e.g. bank is purposely setup as unlimited liability legal structure"

Why would they want to do that?

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#259

Post by deepspace »

eloisius wrote: post #248
atomicnumber3 wrote: post #245

Earlier quoted context omitted.

I seriously don't understand how websites with TREMENDOUS funding end up so bad. I have literally watched seniors in college, who three years prior did not know how to "int i = 1;", do senior design projects that put out what I'd call "standard bootstrap + rails websites" (which are fine! just specifying how EASY it is nowadays to make websites that don't suck) which are ridiculously superior to even any single page…

They use that enormous pile of cash to hire a prestigious consultancy like Accenture to build it for them.

... who then hires the cheapest contractors they can find to do the work. The developers working on the $million sites may very well have far less app development experience than a 2nd year CS student. The CS student is also motivated to make a reasonable effort for good marks; the contractors know they will get paid, regardless of what crap they deliver.

Re: Bank tells customers to disable updates and not upgrade to iOS 16

#260

Post by tmpz22 »

atomicnumber3 wrote: post #245
AJRF wrote: post #101

Earlier quoted context omitted.

Coutts has (in)famously gone through a digital transformation recently making talking to a personal banker exceedingly difficult. They are getting slaughtered on social media and on review sites for the change, because the new website and app are extraordinarily bad, even for a bank.

I seriously don't understand how websites with TREMENDOUS funding end up so bad. I have literally watched seniors in college, who three years prior did not know how to "int i = 1;", do senior design projects that put out what I'd call "standard bootstrap + rails websites" (which are fine! just specifying how EASY it is nowadays to make websites that don't suck) which are ridiculously superior to even any single page…

> senior design projects that put out what I'd call "standard bootstrap + rails websites" ... which are ridiculously superior to even any single page on most bank's websites.

Oh sweet summer child. You have not known the sharp pain of regulatory constraints, split stakeholder constraints, legacy enterprise constraints, COVID constraints. You know not of capacity planning, SOC2, or international banking law.

You have not known the one million lines of code repositories (PLURAL).

You do not see behind the summer rain. To the endless blizzard of business logic behind the frontend. To the third party vendors, evil so vast if it were written down the generations beyond could never forgive.

I envy you greatly.

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