I tried repeatedly with several credit unions, with poor results. The final straw was the patelco hack that made the entire bank unavailable for over a week. In the aftermath they implanted crazy security measures where talking to a rep required 6 layers of increasingly invasive authentication. But... The hack was of the bank infrastructure. It had nothing to do with individualized fraud, all accounts were affected --it was just security theater. I went back to a major bank after that.

How did we do it before phones? Instant online payment is nice but rarely a requirement. Most times we split a bill with friends in a restaurant we agree on paying someone but although we technically could we don't all grab our phone at the exact moment, preferring enjoying the real social conversations we have. We tend to pay them later, and that later is more often than not at home and when I do a swift transfer to someone I'd rather have my complete laptop screen anyway to verify the banking data.

As for Uber and messaging, you are moving the goalpost.

uber still worked from the webpage last time I checked.

There are messaging apps available on linux.

PalmOS and webOS were the best.

Why not have US Federal Government enforce this instead? It's way more impactful for most HN users.

Why wait for Brussels beaurocrats we all have this much and not have the most important tech country in the world make this law?

We even had open APIs for every bank in Germany, in the form of HBCI and FinTS. With fancy things like optional RSA smartcard auth. The EU killed it all in the name of "omg, security!" (a total bullshit argument if you've ever looked at the specs), now with the new PSD2 the only ones getting proper API access are lots of shady payment providers, credit databases, data brokers and the like...