H Ramus

Thought I was in the shitposting community.

deleted by creator

All this shit because a few thousand yanks in key states have epistemophobia. Levels of retardation beyond belief, the biggliest retardation the world has ever seen. Never so many have been so impacted by a bunch of absolute morons. Back in the day they’d have been given a wedgie and been hanging off the coat hanger. But no, let’s listen to the idiots with money. Dumb fucks

Some countries are all-in on the digital transition and for a lot of things shops don’t even accept cash anymore. Digital QR code transfers are preferred. Be thankful that the banks that you deal with haven’t gone down this path.

2 factor TOTP exists and is secure enough for corporates to have adopted long time ago. Banks can adopt similar authentication methods but choose not to.

On the OP, not sure what the solution could be. However, going down this path seems flawed.

In a lot of counties banks are becoming mobile first. Want to login in the browser? Authenticate with your mobile app to approve. Don’t have a mobile phone with the requisites of the bank? Well, go to the branch, take a ticket, wait and then tell them what you want to do with your money. It’s not just about paying, banks are moving online authentication to be dependent on Google or Apple, whatever poison you pick.

This seems like same shit different flies. Still dependent on some centralised approval which doesn’t help openness and security. We need alternatives to the duopoly but this ain’t it, chief.