It's easier and more effective to steal an actual wallet than it is the phone with a wallet app.

Google/Apple wallet both require some form of pin/fingerprint/faceID to work and/or phone to be fully unlocked. So actually someone skimming or running off with your wallet+phone and using it before you can cancel cards is more likely by far.

>malware
if you're installing malware that has wallet access on your phone you deserve to get hijacked. Normies are more likey to just give their CC info out for no reason to a scammer than malware

>>109042240
>How easy is it for a thief or malware to access said cards and bank apps, assuming they are installed?
Harder than stealing your actual wallet.

>>109042254
>It's easier and more effective to steal an actual wallet than it is the phone with a wallet app.

Wallet stays out of sight far more than a phone, and a wallet isn't connected to anything, like your bank app, email, contacts, chat history, browsing history, pictures, files, etc.

>>109042331
>and a wallet isn't connected to anything
This is the benefit.
At best you can remotely shut down your cards, but obviously you are not tracking your wallet or getting any of what it contains back. No money, no pictures, no other credentials/info. It's theirs now.

>>109042331
Anon, pickpockets exist, I've had waitstaff at bars mix up my cards and give it to someone else only to realize at the end of the night it wasn't my card, shit can fall out easier than a phone. Phones can have autolock features if grabbed out of your hand or detect theft often the wallet itself needs additional access.

Technically speaking the wallet app is far more secure for normies by default security measures than a card.

Wallets only activate NFC when the app is open, in reality they can be safer than someone trying to replicate a CC by scanning it or flippering it.

>>109042240
Because if you don't have an iPhone its far more secure
https://infosecwriteups.com/apple-knows-visa-knows-nobody-has-fixed-it-heres-why-e37796a6e8e2

>>109042641
>Ujjwal Sharma
GOOD MORNING SIRS

>>109042641
>set up transit mode easy touch (does not require advanced unlocking)
>don't simply use a transit pass in apple wallet and reload funds to
Skill issue, I just load up my Sucia with what is needed and then use that why the fuck would I have visa on easytouch?

i just got a new phone, should i start using google wallet now, i never used a phone to tap to pay in my life

>pickpockets
Their presence increases the risk for both phone and wallet theft, so it's not an argument. And the phone being more "public" than your wallet (often in your hands or on the table or quick access pocket or some shit) makes it an easier target than a card wallet in your front pocket or whatever that you use only when you need to pay. Plus a phone can be sold, a phone has a lot more valuable shit than a wallet.
>pin/face ID to activate NFC
modern wallets have rfid prot.
>muh theft detection
I don't trust software thqt much with my security. Kind of like how I disable the warnings in car for the blind spots since I don't see how delegating my awareness is of any practical benefit. On paper it sounds like an extra safe step but practically it leads you to be less vigilant. My phone even if stolen unlocked has nothing of value on it, no accounts, no logins, no apps, no files, no messages. I dunno, maybe I'm skizo/opting for simplicity/lower surface of attack and see alternatives as adding unecessary complexity. Kind of like how /g/angstas often say access your bank on the web instead of using the app.

>>109042240
Apple became a (((bank))) and that's why they're in decline.

>>109042240
security is not about being absolute defense but rather being aware of what to give up and what to protect and what the practical attack would be

>>109042240
Why are you here if you're so retarded and tech illiterate? you sound like my baby boomer parents

>>109042331
>Wallet stays out of sight far more than a phone, and a wallet isn't connected to anything
dude, scammers can scan your card even though it is in your pocket, happened many many times.

I barely pull out my card anymore, easier to just tap. Don't have to worry about skimmers or if anyone steals my phone good luck getting in. Jamal doesn't have access to the hardware to get in.

>>109042240
Credit cards are insecure why do we need to have this thread every few hours?
The duopoly exists because they can afford to cash back instantly and lock it.

>>109042357
>I've had waitstaff at bars mix up my cards and give it to someone else only to realize at the end of the night it wasn't my card
It's wild to me that you EVER just let people walk off with your card.
I've been paying with a card for at least 25 years and the transaction was always handled in front of you.

Goiym be embracing the cashless system

>>109042691
>why the fuck would I have visa on easytouch?
Because it will automatically set your first card as the transit card without consulting the user. You might not but its clearly a bad default from Apple considering they are unwilling to fix the issue that isn't present on any other implementation despite it really being Visas fault
>Sucia
My condolences

>>109042240
Bro…

dear anon normies seen survivors of alaska tv show tier my garment, my dog, my gun and my cottage is the best

obviously living accord to income might be problematic to some

>>109042240
If you attach a credit card the risk of loss goes to almost zero because you just dispute the charges.

>>109043341
>Line goes up, but public sentiment goes down.
Why are there many such cases?

just set up two bank accounts if you're so worried? most people with a lot of money have a savings account and you wouldn't connect that to apple pay

>>109045103
>Because it will automatically set your first card as the transit card without consulting the user.
It doesn't. It asked me first.
>despite it really being Visas fault
It is retarded of apple to not have some check like if (amount > 100 * currencyValue).
Thankfully though >>109045220 so I didn't disable it either.

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>>109042240
>why are normies normies?

>>109042240
>How easy is it for a thief or malware to access said cards and bank apps
Almost impossible, todays phones are extremely secure, everything is sandboxed, todays phone malware is basically just nagware and ad overlays, unless you have a rooted phone or got social engineered. But banking apps and some other apps won't even run, if you have a rooted phone. Man... typing this makes me realize how much I like android, sadly it's ruined by samsung, google and other chinks with bloat and adware, let's hope graphene will stay and imporve.

>>109042331
>chat history
???

>>109042240
Your bank could literally deny you the right to withdraw any of your money.

That fuck are you going to do about it?

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>>109042240
since most deit/credit cards are contactless nowadays it's pretty irrelevant if a guy uses picrel on your card or on your phone

>>109047354
>deit
debit

>>109042804
>should i start using google wallet now
Yes. Google needs to know everything you buy to better advertise to you.

>>109047354
This would work for a card but not a phone. I need to use face id in order to enable the NFC for my card.

>>109047489
i doubt that the avg retard has that setting on

>>109047482
but i dont receive advertisements on any of my personal devices and am immune to any placed in the real world so that seems like a non-issue?

>>109047345
they legally cant anon

>>109047330
>he doesn't talk to his credit cards

>>109042240
Actually answering your question, it's because most normal people don't know anything. It's the same reason people use passwords like ilikespaghetti.
>Seems too risky
You are right, for normal people it's quite risky. But you're missing the fact that banks will happily pay you back if your money is stolen. Most people simply don't have lots of money to lose.

>>109042641
really
was it ever used in the wild? no?
maybe because it's not really that practical

>>109042254
>i-it's easier
until an exploit is found, your phone gets rooted, and all your accounts go bye-bye
it's been said 1 million times: you DON'T ship locks with keys in them. i.e. on-device keystores are FUCKING RETARDED and don't help the user in any way

>>109045103
>Because it will automatically set your first card as the transit card without consulting the user
If you are too stupid to change that you get what you get.
>My condolences
I like Japan sorry

>>109044125
Some bars keep your card behind the register depending on the place along with your tab

>>109045220
You can dispute charges from any card with a decent bank.

>>109045369
>Thankfully though >>109045220
It actually falls under Visas guarantee so you'll be reimbursed by them not your bank.

so to summarize, using digital wallets serve only to lock you in further into an "ecosystem" (biological wasteland), because all supposed benefits are already there if you carry a front pocket rfid wallet that contains your cc.
>pickpocket risk
low, hard to access, not constantly out in the open like the phone
>scanner/theft risk
rfid protection, no need for a pin that can be stolen by observation/face ID useless after getting KO'd because you were flashing your stupid iPhone in public carelessly
> still get your cc stolen
no matter, its not your money and they don't charge you for it anyways

And you gain all the negatives by using a digital wallet, since you have the additional risk of getting pwned through connected services such as email, bank apps and saar-powered vibepoop AI slop bug fixes

/g/ lost, luddites win again

>>109047497
I think that's the default for apple pay, double tap the lock button and face unlock.

>>109047672
There is no "chat history" on iPhone???

>>109042240
>basketball american snatches my phone
>phone gets locked 2 seconds later due to the modern nigger detection
>no way to unlock it
How’s tyrone getting my cash out of that?

>>109042804
it's harder (read: not possible) to clone your cc if you use Wallet
i have a schizo friend have his physical card cloned and used for micropayments and he didn't notice until a month after

>>109050463
>rfid wallet
absolute meme. just keep 2 cards with NFC together. much easier
>you have the additional risk of getting pwned through connected services such as email, bank apps and saar-powered vibepoop AI slop bug fixes
if you have a CC, you have a banking app. if you don't have one yet, you will because all banks are on a branch office shutdown spree

>>109053377
the very fact it is in his hands = fucked. Why then do you think GraphmemeOS has a trigger to cause the phone to get wiped before someone else gets hold of it.

>>109053436
>he didn't notice until a month after
you shouldn't be friends with someone who pays interest
>>>109054247
>if you have a CC, you have a banking app. if you don't have one yet, you will because all banks are on a branch office shutdown spree
nope and they'll always have branches if they are serious banks

Also noticed something uou definitely do not have with using the actual card: there's no brainwash/dopamine inducing sound+vibration ding when when you spend money, insane they are trying to reverse the pain of spending money into feel good behavior using Apple Pay. Fucking insane.

>>109053377
>Black man has my phone
You lost at step one.

>>109055570
Silence*

>>109047659
Tell that to PayPal

>>109042679
Oh shut up you fucking normie.
On the other hand, iPhone users get what they deserve. So keep shilling them.

>>109047354
>it's pretty irrelevant
all you need is 2 credit cards. boom, you're immune to NFC theft
my only question is why banking kikes, who are so obsessed with "OY VEYYY MUH SECURITAY SHUT IT ALL DOWN" twiddle their thumbs when there's a glaring issue with an easy solution in front of them