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Better question: Why do I need to use my bank's special snowflake website, or their special snowflake app, when both do the exact same thing that I was doing vi
by EarlKing 1y ago
Better question: Why do I need to use my bank's special snowflake website, or their special snowflake app, when both do the exact same thing that I was doing via a text terminal dialing into Bank of America's HOMEBANKSF service on Tymnet? Why do I have to use their decommoditized solution when there could be a standard solution for banking activities?
Yeah, we both know the answer is lock-in... but maybe that's a sign that the gnomes and gnome-adjacent need to be tard-wrangled for the good of society?
- cloverich 1y agoI think less lock in than marketing opportunity / ads.
- EarlKing 1y ago....a little of column A, a little of column B, really.
- mbirth 1y agoThis, I remember a time where each and every bank in Germany supported HBCI - the Home Banking Computer Interface. Later renamed to FinTS. There were several generic apps that allowed you to add any of your banks and pull transactions, setup transfers, and all other basic things you can do with a bank account. https://en.wikipedia.org/wiki/FinTS https://en.wikipedia.org/wiki/FinTS Then, banks discovered that they can lock their customers in an own app where they don’t hear about other banks. And also, where their developers don’t need to read and understand (and implement) the HBCI/FinTS standard.