vinay_ys

19 ms·

181.
by vinay_ys 3y ago
There are huge economic interests driving the tremendous advancements in mobile computing hardware and software. The same economic interests are leading to creation of things like private-access-tokens and web env integrity as a way to diff
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by vinay_ys 3y ago
What's your basis for saying it doesn't work? Have you actually tried to get a prepaid wallet at the airport counter and it didn't work for you? Don't make unnecessary personal attacks by saying there's no critical
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by vinay_ys 3y ago
It was an interesting reading to through your LinkedIn profile. Really liked how you summarized the work and tech used for each entry. When I reached the earliest entry "Night operator" which sounded like the start of a spy novel!
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by vinay_ys 3y ago
hey, I'm just trying to be helpful for visiting foreigners. I don't have any need to defend UPI on HN and moreover UPI needs no defending, its stats speak for itself.
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by vinay_ys 3y ago
I refuse to give phone numbers and usually the cashier will enter their own fake phone number to let the system proceed further. Some shops like decathlon tried to force us to install their app, create an account and then scan and pay throu
186.
by vinay_ys 3y ago
If all it takes is a screenshot, why not just photoshop it? Why do you need to call at all? I know there are a lot of scam calls trying to get payment credentials or get people to make payments but this MO sounds quite implausible.
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by vinay_ys 3y ago
Nice and clean! Congrats!
188.
by vinay_ys 3y ago
> 1) is somewhat impractical, because it’s easy to miss the airport desk which does this, and if you miss the opportunity it’s not easy to go back there (Indian airports don’t really allow you back in if you’ve exited) These money exchan
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by vinay_ys 3y ago
UPI payments to merchants have had MDR for a while now. And there is a government fund to compensate banks as well. Cost on its own isn't the real reason for banks to be unhappy. Banks were unhappy because they were not used to this ki
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by vinay_ys 3y ago
That's because you are used to and expect card frauds. In UPI, the only way money leaves your bank is if you enter your PIN. Even standing instructions (called payment mandates) are required to notify you before they execute and you ca
191.
by vinay_ys 3y ago
When you compare UPI to western instant payment systems, the most important metrics to look at are consumer choice (banks and experience apps), cost of acceptance, settlement speed and fraud/clawback rates. UPI has broadest interop bas
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by vinay_ys 3y ago
Super affordable smartphones and cheap and fast 4G data, great apps like GPay and PhonePe with lots of gamification and cashbacks and ubiquitous merchant acceptance through apps like PayTM, PhonePe and GPay were key drivers for this. Then,
193.
by vinay_ys 3y ago
There are two ways for a foreigners to use UPI. 1. If you are from one of G20 countries (for now, will expand to other countries), you can get a prepaid UPI digital wallet at the airport where you land. Just go to the money exchange counte
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by vinay_ys 3y ago
There are 5 parties in UPI (or any payment system really): 1. bank customers, 2. bank, 3. payment network, 4. 3rdparty apps (TPAPs) 5. merchants. UPI is free for #1. It costs #2, #3, #4 to build and operate the systems. So, #5 pays for acce
195.
by vinay_ys 3y ago
That's exactly how UPI works. The protocol and payment network is operated by a section 8 non-profit pseudo-government entity. All banks are mandated to connect to it. As a customer you can have your account with any bank and be on UPI
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by vinay_ys 3y ago
Using open-standards based passwordless auth is not ceding control to anyone. Btw, your assumptions about me are wrong. You don't know anything about me. So don't make it personal.
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by vinay_ys 3y ago
Around that same time, my first job was at GE medical systems. The team I was part of was responsible for developing systems for digital X-ray machines. We were developing a new mobile x-ray product and it needed some new capabilities. As a
198.
by vinay_ys 3y ago
You can be scammed into entering your password into a random textbox and then relayed on the actual website/app. This is too basic. In case of FaceID/TouchID, the acquiring platform (your mobile phone) has secure device binding an
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by vinay_ys 3y ago
Passwords should be dead soon and this article should be irrelevant soon after. PSA: For most basic and routine websites/apps of low-value, please, please use the FaceID/TouchID protected platform authenticators for passwordless a
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by vinay_ys 3y ago
This takes me back more than 20 years when I first started to use Putty and learnt about Simon Tatham, and incidentally I learnt about coroutines at the same time from another source and later learned that PuTTY used them!
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by vinay_ys 3y ago
This whole process is ripe for "photoshop for writing" software that could help you assembly-line the process somewhat. Storyboarding – describing characteristics of the characters, planning the character evolution, who they meet
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by vinay_ys 3y ago
I want a safari private browsing mode equivalent for apps on iPhone. I would turn this on by default for all apps. And I would use Apple ID generated per-app user-id and iCloud private relay and private email for every app by default. I&#x2
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by vinay_ys 3y ago
If every request took exactly the same amount of cpu time and wall time and same amount of ram and other resources, then random load-balancing is just fine for a sufficiently large number of machines. But there in lies the problem. Every re
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by vinay_ys 3y ago
If it is work or education of any kind (internship falls into that bucket I guess), then B1/B2 won't work.
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by vinay_ys 3y ago
This url gave me https certificate error.
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by vinay_ys 3y ago
In India, we have been using "Ductless Air-Source Heat Pumps" aka split AC units with 3,4,5 star energy ratings for decades. The more efficient ones come with dual inverter compressor which allows them to operate at lesser power (
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by vinay_ys 3y ago
All I do is hit cmd+plus to increase the font size.
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by vinay_ys 3y ago
Wow what a hit piece. The tone of the article is so overtly biased against Elon/Twitter, TC editorial team lose whatever little journalistic credibility they might have had.
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by vinay_ys 3y ago
Google Photos does a great job.
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by vinay_ys 3y ago
My experience has been similar. I'm still using my early 2013 MPB with original battery (it has been saying replace battery for last 2 years but I have not bothered). It still gets security updates and works perfectly fine for everyday

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