[yagop]

This is also used by some payment processors (probably belongs to banks).

I can relate as I was in Korea some months ago and in order to buy some concert tickets the platform required me to install that shitty thing. I end up not buying the tickets as it was not possible to me to install anything in my corporate machine.

As you said, my friend point out people don't have it installed in their personal computers but use a third party one which brings more insecurity.