Privacy

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A place to discuss privacy and freedom in the digital world.

Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.

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Dropping Cellular for VoIP? Daily Phone use. (lemmy.ml)

submitted 1 month ago by [email protected] to c/[email protected]

41 comments fedilink hide all child comments

This should be far more secure and privacy friendly than a Sim card of a cellular connection. Why isn't this done more often? What are the Pros and Cons. I bet the price is similar as well.

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[–] [email protected] 3 points 1 month ago* (last edited 1 month ago) (2 children)

Can you name me an EU bank that doesn't demand a phone number to signup?

Unfortunately, PSD2 doesn't support TOTP and other strong 2FA solutions, so they all appear to require phone numbers. This is one area where EU is worse than US

[–] Nithanim 2 points 1 month ago (1 children)

My EU bank never ever used my phone number to verify anything. They only used it to contact me on some occasions. 2FA is done through their app.

[–] [email protected] 1 points 1 month ago* (last edited 1 month ago)

Oh, right, their closed source app. Thats allowed. So it requires a phone.

So the OTP is still transmitted to satisfy the requirements of PSD2. But TOTP (a more secure system that doesn't transmit the OTP at all) is not allowed.

[–] [email protected] 2 points 1 month ago* (last edited 1 month ago) (1 children)

That is a completely separate issue from the above commenter.

You absolutely cannot get 2FA authenticator codes from 90% of services

A shockingly large amount of companies demand phone numbers and send verification texts before allowing you to do business with them, to create an account, to recover an account, to delete an account, to place an order, etc.

They really shouldn’t, it’s a bad security practice but companies love it because with a phone number they can lower support costs by just allowing people to do a self-service where they get an automated text and can unlock their locked account.

Also an issue, but indeed a separate issue from using unsecure SMS as TOTP.

[–] [email protected] 1 points 1 month ago

I don't follow. Banks are required to use insecure SMS for OTPs by PSD2