Editing Forced App Download Experience

Forced app download experience is an experience where the user is forced by a business or government entity to download an app to their phone to perform basic tasks that could have otherwise been done on a standard web browser (e.g. adding a credit card for payments) or in real life (e.g. ordering a coffee).<!-- Although this is a theme article, and therefore has more relaxed editorial guidelines, i'm going to put a 'needs more verification' notice on this page to encourage the use of more citations. Have also put some comments throughout to highlight tonal issues/any questions I have. Very solid start on the whole though!
-Keith -->

The forced app download experience is becoming increasingly popular in many countries pushing digitalization. A prime example is Singapore whose government is all-in on digital everything, where it is impossible for anyone to have a bank account without using the bank's app and everyone must have a device that runs stock iOS or Android in order to download various government and business apps from their respective official app stores. Devices must also be running stock operating systems since most government and business apps conduct intrusive checks and will not run if a device is jailbroken or rooted.

Most companies (and likely most governments too) would love for this to happen in more countries across the globe because the forced app download experience allows for:<!-- tone needs to be a little calmer here. Still persuasive, but calmer. -->

# '''Identification and tracking of users'''  - not just on an account level and payments, but through deep device identifiers, location, network connection
# '''Push of the cashless agenda''' - digital-only payments typically go hand-in-hand with app-only experiences
# '''Increased digital integration''' - endless possibilities of integrating and sharing data with payment processors, ad providers,
# '''Increased centralization and dependency on big companies''' - putting more power in the hands of big tech (Apple and Google) with mandatory official app store downloads and big payments (Visa and Mastercard) with forced digital payments

== Characteristics ==
The forced app download experience involves:

# '''Forcing download and use of app to interact with a business''' - Basic tasks like ordering, making payments, changing settings.
# '''Deliberately crippling or removing functionality from the web experience''' - Prevent users from having an alternative interface to perform basic tasks.
# '''Forcing users to always be on the latest version of an app''' - "For your security" (as they usually claim), most of these apps will constantly check for the latest version and self-disable if they are older than X versions (varies by company)
# '''Mandatory use of account''' - For most of these apps to work, you must have an account for features to work. For example, with the Luckin Coffee app, you must create an account tied to your phone number. You cannot order as a guest

== Key implications ==

=== User tracking and intrusion of privacy ===
The hallmarks of the forced app download experience are mandatory account creation and usage, and digital payments. This allows tracking of the user not just by the company behind the app, but the payment provider and any other associated third-party partners.

=== Mandatory use of "approved devices" and big tech operating systems ===
Apps are only available for download from official app stores, meaning consumers must use a device running iOS or Android.

Devices must also be running stock operating systems since most government and business apps conduct intrusive checks and will not run if a device is jailbroken or rooted.<!-- How prevalent is this outside singapore? also seems like a direct restatement of what was said earlier -->

Some companies such as big banks in Singapore have also started incorporating checks for "unverified apps" in their app. This means their app will scan your phone and check for sideloaded apps (anywhere that is not the official app store. For example, an app downloaded directly from APK Mirror or an unofficial app repository like F-Droid) as part of "anti-scam security measures that include restricting customers from accessing the banks’ digital services on their mobile phones if apps from unverified app stores – also known as sideloaded apps – are detected"<ref>https://www.channelnewsasia.com/singapore/dbs-uob-anti-scam-sideloaded-app-malware-measure-latest-bank-restrict-app-access-3796806</ref>

=== Surge pricing ===
So far, the implementation of surge pricing in the context of businesses that have the forced app download experience has not yet been seen. However, trust that the enterprising individuals and ecommerce platform providers (especially "modern headless ecommerce" companies<ref>https://www.forrester.com/blogs/doing-selling-and-being-headless-commerce/</ref>) looking to maximize clean out of consumers' wallets will quickly develop and deploy surge pricing once businesses with forced app download experiences gain sufficient footing both in their respective industries and in general market penetration.<!-- rather than making this assertion, maybe try and find come companies who have proposed/patented systems to this end? Also tone gets a bit strong here -->

Since ordering and payments are entirely digital, it is very possible to see surge pricing (similar to what we've seen from ride hailing companies like Uber, Lyft and Grab) implemented across other industries.

For example, a restaurant that is popular enough could implement surge pricing to charge more during peak hours, like weekday lunch time to hit the downtime office crowd that is lacking in time and places to eat, or Friday night when many people are looking to go out.

=== Third-party integration ===
Just like how some car insurance providers in the US are adjusting their rates based on "smart" reporting from cars, it is also very possible for other intrusive and oppressive pair ups to happen. For example:

* Restaurants, cafes and bars with forced app download experiences sharing data with health insurance companies, who increase your premium if they see a lifestyle/pattern of ordering unhealthy dishes or overly large portions, or frequenting that bubble tea shop too often.
* Government tax agency charging you "excess carbon footprint" taxes because you often order a lot of clothes beyond the number that the "Average" person of your profile wears, based on what your favorite fast fashion retailer with a forced app download experience is sharing with them.

[[File:No unverified apps.png|thumb|Singapore banks will "restrict access if unverified apps AKA sideloaded apps are found on customers' phones" (News story from Sep 2023)]]

== Examples ==

=== Banking and finance ===
All banks in Singapore (Citi, DBS, UOB, OCBC, Standard Chartered, CIMB) mandate use of their apps for consumers to perform any online banking activities, including logging in via their web browser.
[[File:Forced app download.png|thumb|Luckin Coffee, a China-origin Starbucks competitor, forces you to download their app to order and pay for coffee. You cannot order coffee at the cashier in their store, let alone pay. You must use the app to interact with this business and digital payments to pay.]]
The apps generate notifications that require users to approve/deny actions like logging in via a web browser, initiating a payment, adding a payee, etc via the app itself. Some banks previously offered sending an OTP via SMS (text) as an alternative to app-based approval but this has since been discontinued for "security reasons".

=== Utilities and public services ===
SP Group is Singapore's primary and default electricity provider, as well as the country's only provider for gas and water for consumers. In 2022, SP Group removed the ability to manage payments from their website, forcing users to download and use their mobile app to pay bills/manage recurring payments<ref>https://www.spdigital.sg/spapp/bill-payment</ref>.

As they are the country's only provider for gas and water, everyone in Singapore MUST download their app at some point.

=== Food and beverage ===
An increasing number of 'digital-native' food businesses that are app-only are making their way onto the market. For example, Luckin Coffee, a Starbucks competitor of China origin with stores in Singapore and planned expansion into Malaysia and the US in 2025<ref>https://www.worldcoffeeportal.com/Latest/News/2024/October/China-s-Luckin-Coffee-reportedly-planning-US-launc</ref>, only allows ordering of beverages and payments via its app. The way it works is you download the app, register an account, log in, order a coffee and pay for it, then pick it up at a Luckin Coffee location.

With a food and beverage business that is fully committed to the forced app download experience like Luckin Coffee, there is no way to order nor pay at the physical store. You '''must download and use the app''' to interact with the business.

Forced app download experience represents the next stage of evolution from QR code based ordering. The key differences are:
{| class="wikitable"
|+
!Characteristic
!Forced app download experience
!QR code based ordering
|-
|Interface
|App downloaded from official app store
|Page opened in your choice of web browser
|-
|Ordering
|Order MUST be placed via app
|QR is pushed but usually possible to order offline (in real life)
|-
|Login
|You MUST create an account and log in to place an order
|Not required, often no registration is possible
|-
|Payments
|Cashless digital payment only
Payment MUST be made via app
|Depending on website, sometimes order online, pay offline
Depending on business, cash payments are usually possible
|}

== References ==

[[Category:Types of incidents]]