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79 points

Because they want to “protect” you from “yourself”. Imagine, you could scrape your own data that you can already see.

I’d be really worried if the security of server operation for my bank depended on the client-side. But playing devils advocate, some people will most likely point out that a root exploit on a phone may be unintentional and used to spy on people, to which I answer:

  • show me a big scary box where I can “accept the risk” and move on
  • keep in mind that if I am root on my phone, I can hide the fact that I am root on my phone and you’ll be none the wiser

Currently, option 2 is in effect, sadly.

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21 points

The issue with option one is that scammers get old (or not technical) people to do stuff when they don’t know what they’re doing and click the box not knowing what they just did. So yes very frequently they need to protect people from themselves because they’re dumb, but I still expect banks to do business with those dumb people, sooo… Option 2 it is.

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21 points

Ok but also What tech illiterate person roots there phone

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14 points

That’s where this part becomes relevant

a root exploit on a phone may be unintentional and used to spy on people

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1 point

well you can buy a rooted phone that runs some thing like lineage preinstalled.

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-2 points

I think I just figured it out, hang on with me.

It’d be the tech literate person in the family. The nephew that’s working as a programmer or something like that. Now, if that nephew has some interest in stealing their uncles money, they now have access to their bank account through a freely rooted phone.

This gives them a lot of options, which I don’t have to explain.

Given that a lot of scams actually happen between presumed family and friends…

Yeah I kinda get why banks are doing this

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2 points

Option 2 is not long for this world

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9 points

As long as we’ll have control over the software, it’ll be there. If we reach the point were you’re not allowed to own computers, we’ll have bigger problem.

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-9 points
*

You deftly evaded the leading attack vector: social engineering. Root access means any app installed could potentially access sensitive banking. People really are sheep and need to be protected from themselves, in information security just like in anywhere else.

You don’t get a “accept the risk” button because people don’t actually take responsibility, or will click on those things without understanding the risk. Dunning Kruger at play.

Why is this prevalent on Android but not desktop Linux? Most likely a combination of 1) Google made it trivially easy to turn on, and 2) the market share of Android is significantly large enough to make it a problem warranting a solution.

The fact that you know how to circumvent it is inconsequential to the math above. Spoiler: you never were nor ever will be the demographic for these products, in their design, testing, and feature prioritisation.

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19 points

Root access means any app installed could potentially access sensitive banking

That’s not how it work. Having a rooted phone does not turn it into a digital farwest were every application can do anything. It becomes a permission like everything else; if you only grant it to safe stuff (like, for example, not granting root to a single app but using it to customize your phone through ADB), there’s not much to see here.

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6 points

In fact, it can be better: having root means you can arrange additional ‘firewalls’ between apps and your data , or omit/falsify sensor data the the banking app should not need, that the Google is unwilling to implement.

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0 points

The word “potentially” was critical in the parent’s comment. A banking app cannot be assured that other apps are prevented from accessing its data when the phone is rooted.

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linuxmemes

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I use Arch btw


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