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Yes. Worst offenders: - Companies that deliberately offer a subpar webapp experience (including, not keeping you logged in and spamming you with 2FA) to push y
by tomp 5y ago
Yes. Worst offenders:
- Companies that deliberately offer a subpar webapp experience (including, not keeping you logged in and spamming you with 2FA) to push you to download their mobile app
- every fucking company that saves your credit card info - I mean I understand why (you wouldn't want credit cards to be easily abused) but it just points out to the actual market failure - Visa/Mastercard duopoly and subsequent lack of innovation (obviously the correct solution here is to have phone-app confirmation of every purchase even for stored credit cards)
- ThePowerOfFuet 5y ago>obviously the correct solution here is to have phone-app confirmation of every purchase even for stored credit cards This is exactly what happens in Europe for online purchases, with SCA being part of PSD2.
- tomp 5y agoNo it doesn't. Only a few banks have phone-app based pre-transaction 2FA. TransferWise is my favourite, but even they only check for the first transaction, not subsequent ones (e.g. for "recurring" one-off purchases e.g. UberEats).
- toast0 5y ago> have phone-app confirmation of every purchase even for stored credit cards) That sounds painful for subscriptions or even the handful of places that don't check the card until they verify inventory.
- tomp 5y agoA lot of places (e.g. UK) have superior options for subscriptions - e.g. direct debit where it's automatic, but you have a fairly long period afterwards to dispute the payment. But still, I wouldn't be opposed to that being user configurable (with e.g. spending limits).