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#2 doesn't scale. If you guarantee access to a human, the system will absolutely be effectively DoS'd by scammers trying to social engineer their way into acce
by Sohcahtoa82 10mo ago
#2 doesn't scale. If you guarantee access to a human, the system will absolutely be effectively DoS'd by scammers trying to social engineer their way into access to someone's account.
- SoftTalker 10mo agoNot if you require physical presence. If you have to turn up in person at a local branch office with identifying documents, then you've greatly limited opportunities for scams. Fraud is still possible but it doesn't scale.
- hollandheese 10mo agoThat sounds vastly more costly since they'd have to open local branch offices everywhere.
- charcircuit 10mo agoUsers can travel themselves.
- pca006132 10mo agoAt least 1 would not be enough. So how many branches are enough? And what about people with less money and time available?
- rchaud 10mo agoThis is why banks have physical locations with live tellers. And also why I'll never open an account with a regulations-dodging "disruptor" banks where everything must be done through the app.
- arcfour 10mo agoYou are suggesting that companies be legally required to staff a "Complaint Bureau" where low-level employees must face, in person, the most disgruntled and potentially unstable 1% of the internet. This can only end well.
- tgsovlerkhgsel 10mo agoThat actually sounds good to me. If this place attracts violence, the company can afford bulletproof glass and an alarm button that alerts the police, and I'd rather have the unstable 1% remanded to police at the risk and cost of a rich company than to have them stab a rando on the street later. Employee protection laws that mandate said bulletproof glass in certain situations already exist in civilized countries.
- arcfour 10mo ago...for a Gmail account. Right.
- tgsovlerkhgsel 10mo agoNo, for the key to being able to participate in modern society. Without a Google account, you can't use (standard) Android. Without either (standard) Android or iOS, you de facto can't use most banks, some public transit networks, and various other utility-level services.
- arcfour 10mo agoYou can have a Yahoo account, a Hotmail account, a ProtonMail account. You can go to your bank in person or without an app. I would be less surprised to learn that a bank does not have an app than I would be to learn they do not have a website.
- tgsovlerkhgsel 10mo agoThe web site often requires an app for authentication. Some (not all) banks offer alternatives, which often come at a cost (either financial or time) that would, once you add all of the costs up, be catastrophic for the majority of people, because it's never one thing that is affected with these major gatekeepers.
- 10mo ago
- criddell 10mo agoIf the companies are too big to provide reasonable levels of support for their users, then the companies are simply too big.