hocuspocus

5 ms·

31.
by hocuspocus 3mo ago
No I'm not. Ask anyone who tried to dispute a purchase that happened within the EEA, whether online with SCA or card present with PIN, card issuers often tell you to deal with the merchant directly. The interchange cap has significantl
32.
by hocuspocus 3mo ago
I've never used iDEAL but I assume the confusion comes from the fact checkout widgets (e.g. from Adyen) are transitioning from iDEAL to "iDEAL | Wero". I assume UX is the same, i.e. scan a QR code with your mobile wallet app?
33.
by hocuspocus 3mo ago
Which is pretty much the case with Visa and MC too. There's little card payment fraud in Europe thanks to mandated strong authentication, and very low transaction fees as interchange is capped by the EU; card issuers don't initiat
34.
by hocuspocus 3mo ago
I'm on DC5 since I lived in Korea when signing up, but I cannot say I've noticed many outages.
35.
by hocuspocus 3mo ago
Easy and approachable sound pretty subjective to say the least; feature and syntax wise, Swift has become an absolute monster of a language. Rust's tooling and ecosystem are ahead and these points matter to me more than the raw syntax
36.
by hocuspocus 3mo ago
Almost exactly the same (or worse) can be said about Google's E2EE RCS, but somehow Apple decided to publicly back the initiative. Most people would much more benefit from 1) a faster and broader rollout 2) every other feature in recen
37.
by hocuspocus 4mo ago
SEPA transfer fields need to follow a standard. I think it's fine, we shouldn't put more control and censorship there (try to put Daesh membership fee if you want to get your account locked...) However a chatbot should absolutel
38.
by hocuspocus 4mo ago
I was a teenager when Switzerland introduced the mandatory ID check, in 2003 or 2004 iirc. My carrier added 10 CHF credit to my prepaid plan for the trouble. It's still fairly easy to buy a Lycamobile SIM/number that was enabled w
39.
by hocuspocus 4mo ago
Bilateral agreements were signed in 1999 and freedom of movement enacted in 2002 so you must not have looked very hard. Also claiming that immigration from a country like Portugal was hard before FoM is extremely funny given the number of P
40.
by hocuspocus 4mo ago
You're throwing a lot of words that you don't understand nor have much relevance to the topic. Before bilateral agreements and the freedom of movement, not Schengen which was ratified much later and is completely irrelevant here,
41.
by hocuspocus 4mo ago
Schengen is not FoM. Visa isn't an acronym. And CERN workers are on diplomatic permits anyway.
42.
by hocuspocus 4mo ago
FoM doesn't require to stay in Schengen-Dublin though.
43.
by hocuspocus 4mo ago
To be fair that's not specific to SVP's populist initiatives, the parliament pushes bills with nonsensical names all the time.
44.
by hocuspocus 4mo ago
Yes. We can cap non-EU/EFTA immigration to zero but that's relatively small anyway. Getting out of Schengen-Dublin and more importantly the Freedom of Movement of workers would basically unravel all bilateral agreements.
45.
by hocuspocus 4mo ago
And now with LLMs, writing glue in Rust is cheap. The ML/AI ecosystem is a minefield, and pure Rust rewrites (Candle, Burn, ...) are still immature and incomplete. But I'm pretty sure we're eventually going to see the same up
46.
by hocuspocus 4mo ago
LLMs are leveling the developer experience and productivity in a way that makes Python's strengths almost irrelevant, while it's still suffering from bad tooling (even with uv and friends) and poor performance. AI/ML: interfa
47.
by hocuspocus 4mo ago
Which is precisely a reason for not using Python, despite LLMs being good at it.
48.
by hocuspocus 4mo ago
Pretty weak argument as most points aren't inherent to gradual typing at all.
49.
by hocuspocus 4mo ago
GPT-5.4 mini seems noticeably better to me, token cost between Gemini 3 and 3.5 Flash.
50.
by hocuspocus 4mo ago
I'm not sure about broadband data, as it can't be that useful. However on the mobile side, it's fairly valuable as a mobile app can collect A-GPS location and sensor telemetry that are unknown to the MNO otherwise.
51.
by hocuspocus 4mo ago
And Javascript and Python the best languages.
52.
by hocuspocus 5mo ago
I think the AI/ML ecosystem is a bit of a mess overall, things tend to work out of the box in Python because that's what everyone targets, but it doesn't necessarily say that much about maturity and robustness. In Rust you ca
53.
by hocuspocus 5mo ago
Hu, no? The most common scams nowadays involve social engineering to make people log into their online banking and transfer money, specifically because there's no way to revert transactions. The victims are typically 100% liable as the
54.
by hocuspocus 5mo ago
Which has zero incentive to side with the other party. You pay by bank transfer, once the money is on the merchant's account, why would their bank ever agree to a refund in case of dispute? Now it's between you and the merchant, g
55.
by hocuspocus 5mo ago
If EPI / Wero reach a critical mass then hopefully this will change, as non-Eurozone countries will have a direct interest in making the local mobile payment solution accept the one used by an area of 350+ million people. Then the EPI
56.
by hocuspocus 5mo ago
This is a false dichotomy. You can have very cheap transaction fees, Pix is state-run and probably operates at a loss, with merchant fees as low as 0.2~0.3%. In comparison the cheapest card payment under the EEA interchange cap is probably
57.
by hocuspocus 5mo ago
The UK has had instant transfers for many years. Switzerland since last summer, but banks aren't forced to expose the feature to retail customers yet, at least not for free. We could have had that 15 years ago if our government wasn&#x
58.
by hocuspocus 5mo ago
> We need instant, free SEPA transfers around the clock. We have? SCT inst has been rolled out almost everywhere > Switzerland is not part of SEPA We definitely are. Transfers in EUR from/to CH IBANs use SEPA rails. CHF accounts
59.
by hocuspocus 5mo ago
Swish is even older. The issues with Twint: - Switzerland hasn't gotten Apple to open up NFC payments at the same conditions as the EEE, at least not yet. - Twint is part of the EMPSA which hasn't really delivered anything tangibl
60.
by hocuspocus 5mo ago
Even better, as an exchange, they don't even necessarily care whether the line goes up, down, sideways, or in fucking circles to quote the Wolf of Wall Street. As long as it goes somewhere, and customers are charged fees.

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