In addition to Tim's answer, I would add that it also has to do with how SSL Certificates are verified.

If you log onto your computer instead of your phone, and change the date and time on your computer so that it doesn't match your current location time zone and time, you will run into all kinds of errors when you simply browse the internet. That's because the SSL certificates used to verify websites are not permanent, and there is a time comparison that happens within your internet browser (firefox, chrome etc...) to make sure that SSL Certificate the website uses is CURRENTLY valid.

If the system doesn't know your accurate current time, it can't verify the current validity of the security certificates used by the sites you are trying access. The same would be true for accessing a banking app on your phone, because the app connects to a server that uses certificates to verify it's authenticity.

I hope this helps.

Sean Larabee Systems Engineer

In addition to Tim's answer, I would add that it also has to do with how SSL Certificates are verified.

If you log onto your computer instead of your phone, and change the date and time on your computer so that it doesn't match your current location time zone and time, you will run into all kinds of errors when you simply browse the internet. That's because the SSL certificates used to verify websites are not permanent, and there is a time comparison that happens within your internet browser (firefox, chrome etc...) to make sure that SSL Certificate the website uses is CURRENTLY valid.

If the system doesn't know your accurate current time, it can't verify the current validity of the security certificates used by the sites you are trying access. The same would be true for accessing a banking app on your phone, because the app connects to a server that uses certificates to verify it's authenticity.