3 ms·

How? Your bank stores personal data covered by gdpr but enabling crappy secure systems is not the domain of gdpr. Most likely this is caused by SCA another Eur

How? Your bank stores personal data covered by gdpr but enabling crappy secure systems is not the domain of gdpr. Most likely this is caused by SCA another European directive that ruined our lives with extra security hoops (for payment providers) for little extra security - or even worse in case of voice password or security questions

ben_w 3y ago
A person's voice is, I believe, personal data. > Processing personal data is generally prohibited, unless it is expressly allowed by law, or the data subject has consented to the processing - https://gdpr-info.eu/issues/consent/ https://gdpr-info.eu/issues/consent/
- jokethrowaway 3y ago
  I see, good point! Given the same voice get processed and recorded during a normal phone call to the bank so you would need to give consent just to talk on the phone (and they do have a disclaimer when you are calling in Europe). Most likely this is buried deep in some massive EULA you accept when you open an account.
  - ben_w 3y ago
    All processing is supposed to require explicit and meaningfully informed consent for each separate use; one of the GDPR training lessons we get over here is basically "Bob has a bunch of customer's emails he got from the sign up process, is he allowed to use them to send adverts for a new product?" and the answer is "No, that's only allowed when the customers explicitly consented to that, you can't just use any data they happen you have given you for whatever new purpose you want". EULAs are a bit more of a mess, as all the advice I've been given says "don't hide stuff like that" while all the websites I visit are "we're going to do this anyway because we think we can get away with it".
- seabass-labrax 3y ago
  Importantly, you can also revoke consent at any time under the GDPR. Unlimited consent isn't possible, so the bank would have to make the (dubious) claim that such processing did not require permission at all.
toss1 3y ago
Sadly, the US, where I currently live, is quite behind in this. Considering going expat (not for this specific reason, but it doesn't help); any expats have recommendations of what countries have worked well for them?
- jokethrowaway 3y ago
  Heavily depends on money available / crime level tolerance - albeit crime level in the US is pretty crazy. Europe is deteriorating incredibly rapidly in terms of crime (due to a combination of economic poverty and uncontrolled immigration from third world countries) - but I think some of the low tax EU countries (Malta, Cyprus, Gibraltar, etc) are a good bet for a few more years. My top choice if I had family (or friends I want to be close with) in the US would be Cayman. I think long term, either South America drops the level of crime considerably and becomes the new place to be or China start building futuristic cities attracting wealthy western talent to offset their declining population rate.
  - ben_w 3y ago
    > Gibraltar That's a British Overseas Territory, it isn't in the EU.
- ben_w 3y ago
  I recommend you first narrow it down to somewhere whose main language you can speak. I picked Germany because I already had some experience with the language and slightly Dunning Kruger'd myself. I like it, but… well, even native German speakers say „Deutsche Sprache, schwere Sprache“ ("German is hard"). Cyprus has a lot of English speakers (and indeed a lot of street furniture that looks just like the UK, plus two UK airforce bases[0]), but the national language is Greek… I don't know if I'd risk that, given the one time I tried to ask for «Ένα σάντουιτς και ένα τσάι παρακαλώ»[1] in Athens[2], the person behind the counter replied in English to correct my pronunciation. [0] https://en.wikipedia.org/wiki/Akrotiri_and_Dhekelia https://en.wikipedia.org/wiki/Akrotiri_and_Dhekelia [1] https://translate.google.com/?sl=el&tl=en&text=Ένα%20σάντουιτς%20και%20ένα%20τσάι%20παρακαλώ&op=translate https://translate.google.com/?sl=el&tl=en&text=Ένα%20σάντουι... [2] I know that's not in Cyprus, but it is, as you may guess, another place where Greek is the national language.

ben_w 3y ago

A person's voice is, I believe, personal data. > Processing personal data is generally prohibited, unless it is expressly allowed by law, or the data subject has consented to the processing - https://gdpr-info.eu/issues/consent/ https://gdpr-info.eu/issues/consent/

jokethrowaway 3y ago
I see, good point! Given the same voice get processed and recorded during a normal phone call to the bank so you would need to give consent just to talk on the phone (and they do have a disclaimer when you are calling in Europe). Most likely this is buried deep in some massive EULA you accept when you open an account.
- ben_w 3y ago
  All processing is supposed to require explicit and meaningfully informed consent for each separate use; one of the GDPR training lessons we get over here is basically "Bob has a bunch of customer's emails he got from the sign up process, is he allowed to use them to send adverts for a new product?" and the answer is "No, that's only allowed when the customers explicitly consented to that, you can't just use any data they happen you have given you for whatever new purpose you want". EULAs are a bit more of a mess, as all the advice I've been given says "don't hide stuff like that" while all the websites I visit are "we're going to do this anyway because we think we can get away with it".
seabass-labrax 3y ago
Importantly, you can also revoke consent at any time under the GDPR. Unlimited consent isn't possible, so the bank would have to make the (dubious) claim that such processing did not require permission at all.

toss1 3y ago

Sadly, the US, where I currently live, is quite behind in this. Considering going expat (not for this specific reason, but it doesn't help); any expats have recommendations of what countries have worked well for them?

jokethrowaway 3y ago
Heavily depends on money available / crime level tolerance - albeit crime level in the US is pretty crazy. Europe is deteriorating incredibly rapidly in terms of crime (due to a combination of economic poverty and uncontrolled immigration from third world countries) - but I think some of the low tax EU countries (Malta, Cyprus, Gibraltar, etc) are a good bet for a few more years. My top choice if I had family (or friends I want to be close with) in the US would be Cayman. I think long term, either South America drops the level of crime considerably and becomes the new place to be or China start building futuristic cities attracting wealthy western talent to offset their declining population rate.
- ben_w 3y ago
  > Gibraltar That's a British Overseas Territory, it isn't in the EU.
ben_w 3y ago
I recommend you first narrow it down to somewhere whose main language you can speak. I picked Germany because I already had some experience with the language and slightly Dunning Kruger'd myself. I like it, but… well, even native German speakers say „Deutsche Sprache, schwere Sprache“ ("German is hard"). Cyprus has a lot of English speakers (and indeed a lot of street furniture that looks just like the UK, plus two UK airforce bases[0]), but the national language is Greek… I don't know if I'd risk that, given the one time I tried to ask for «Ένα σάντουιτς και ένα τσάι παρακαλώ»[1] in Athens[2], the person behind the counter replied in English to correct my pronunciation. [0] https://en.wikipedia.org/wiki/Akrotiri_and_Dhekelia https://en.wikipedia.org/wiki/Akrotiri_and_Dhekelia [1] https://translate.google.com/?sl=el&tl=en&text=Ένα%20σάντουιτς%20και%20ένα%20τσάι%20παρακαλώ&op=translate https://translate.google.com/?sl=el&tl=en&text=Ένα%20σάντουι... [2] I know that's not in Cyprus, but it is, as you may guess, another place where Greek is the national language.