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Search - "internet banking"
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A small story on digitalization
I had spent an hour in the bank with my dad, as he had to transfer some money. I couldn't resist myself & asked:
Dad, why don't we activate your internet banking?
''Why would I do that?'' He asked, ''Well, then you wont have to spend an hour here for things like transfer.
You can even do your shopping online. Everything will be so easy!
I was so excited about initiating him into the world of Net banking.
He asked, If I do that, I wont have to step out of the house?
''Yes, yes''! I said. I told him how even grocery can be delivered at door now and how amazon delivers everything!
His answer left me tongue-tied.
He said ''Since I entered this bank today, I have met four of my friends, I have chatted a while with the staff who know me very well by now.
Two years back I got sick, The store owner from whom I buy fruits, came to see me and sat by my bedside and cried.
When u r Mom fell down few days back while on her morning walk. Our local grocer saw her and immediately got his car to rush her home as he knows where I live.
Would I have that 'human' touch if everything became online?
I like to know the person that I'm dealing with and not just the 'seller'. It creates bonds. Relationships.
Does "online" deliver all this as well?
Technology isn't life #BeHuman
For those who are not getting the context, this things happen in India. It is truth not a fact.19 -
I used to work as an all-in-one IT guy in a company. One day I got a call from our HR team and the HR said "my Internet banking account has been hacked! It's logging in automatically!!" So I went to see the issue, and the so called "hack" was because she allowed Mozilla Firefox to save her login credentials, and because of that the login form was automatically filled. Such a stupid ass4
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Meet 'SBI Online' app from Play Store, in their own words:
What they were supposed to do?
"Experience the new Retail Internet Banking of SBI"
What they do?
"SBI online app will redirect to SBI Retail Internet Banking (online SBI) site"
Why do they have app?
"No need to remember URL",
"Less memory space required on device"
App storage space?
F**king 2.6 MB, just to redirect users to their website, in third-party browser.2 -
Fuck my internet banking.
My bank just created a "new" version of internet banking which literally looks the same except it freezes my browser all the time. WTF??!!3 -
This “Auto save” feature in the latest app version is buggy..
-> new rant
-> prefilled with previous rant..
Anyway, here my actual rant begins.
Apple, go fuck yourself, seriously.. put your trillion dollars way up your arse...
Moved to Ireland, want to switch country..
“If you want to switch countries, cancel your Apple Music subscription first”..
so be it. Cancelled it..
“Your subscription will be cancelled in 28 days”.
FUCK YOU, YOU COCK SUCKING BASTARDS!!
I NEED TO SWITCH THE STORE TO BE ABLE TO DOWNLOAD BANKING APPS AND STUFF LIKE THAT..
But ok, I’m screwed in this regard..
Suddenly iMessage stopped working. This is kind of a big deal because I have unlimited data but only unlimited sms to Irish numbers and I need to communicate with people in Switzerland and Germany..
Internet works so I try to turn iMessage off and in again. But that doesn’t work.. i can only reactivate iMessage via WiFi.
So I go back to the hotel, reactivate iMessage..
“Verifying imessage” >> google..
Leads me to an Apple forum: “the verification of iMessage can take up to 24h”.
Are you fucking kidding me? I’m in a new country and rely on this overpriced shit..
Fun but sad fact, I have a second phone with me. IPhone 4 with iOS 7 and that thing WORKS!!
If this is where the future is going we’re all gonna die very soon.. plains crash, power plants explode but hey, at least they have data about it and it looks shiny. That’s all that matters..
Another reason to switch to android..
MacOs fucked me up so I already switched to windows + Linux. Next one will be getting rid of iOS, they don’t build small phones anymore anyway..1 -
Software engineering doesn't evolving the way you think of it.
There are no new big patterns. There are no new big concepts and ideas to bring that evolution to us. Rob Pike thinks that the concepts he used twenty years ago are the best possible way of implementing everything and he creates Golang.
The evolution of software engineering, and maybe the whole evolution as a concept is a tick-tock. Software engineering had its latest tick at nineties, when the concepts we call modern were developed. And the latest tock was the rise of the internet, and it given the single-computer-centered Von Neumann architecture really hard challenges. I mean ticks are theoretical inventions and patterns and ideas and etc, while tock is more of some practical, business-oriented implementations.
PHP is still in use. We have troubles with scaling and deployment. Banking systems still run old Java, Windows XP and even COBOL. We had persistence really, really long time ago, and now frontenders reinvent it and call it 'immutability'!
We had our tick many, many years ago. It's time for tock. With not only scientific but commercial use of things such as Clojure, CRDTs and maybe Rust lang, we are heading straight to our new big tock, which'll bring us new great problems to solve.
That's how any evolution goes.rant rust lang paradigms rob pike evolution golang ideas rust wk127 clojure patterns software engineering -
Multi User, One Account, and other shit
I'm gonna rant about something as a user, and someone who makes stupid web stuff.
My bank has been updating their web banking over time and they decided that every individual on an account, should have their own login. They really want to push this on their users, I suspect specifically folks like me and my wife who share one login for the joint accounts we have at the bank together.
Why share one login, because it's the only sure fire way I know that I and my wife can see all the same shit no doubt about it.
The banks never tell you what you can see or can't with joint accounts, I doubt it is even documented on their end, but in every damn case something is hidden or different in some weird way.
Messages to the bank people? If I send it, my wife often can't. I get that for security reasons that's a thing, but it makes no sense for a joint account.
ANY difference to me breaks online banking ENTIRELY. Joint accounts are supposed to be... well one account that is the same.
Other banks we used where we had different logins for the joint account, each login actually had separate bill pay accounts per user. So if I went to bill pay and scheduled something to be paid, my wife had no idea, same if she did.
Right fucking there, banking is just broken entirely!
So no Mr. Bank, fuck you we're both logging in via the same login.
Fast forward to N00bPancakes making a thing.
So my employer has a customer (Direct Customer). Direct Customer wants a thing that makes communication with their customer (Indirect Customer) easier.
The worst thing about making something for your customer's customer is that Direct Customer always imagines that Indirect Customer is gonna be super ninja power users....
But no, that's not the case... in fact almost nobody is a power user, and absolutely nobody WANTS to be a power users.
Worse yet in my case the only reason this tool exists is because Direct Customer and Indirect Customer can't communicate well enough anyway... that should tell you something about the amount of effort Indirect Customer is willing to expend.
So with that tool, this situation constantly comes up:
Direct Customer thinks it would be great if every user from Indirect Company had some sort of custom messaging, views, and etc in of Cool Communication Tool. The reason is because that's what Direct Customer loves about Ultra Complex Primary Tool that they use ....
Then I have to fight the constant fight of:
NOBODY WANTS TO BE A POWER USER, NOBODY EVEN WANTS TO DO MUCH OF ANYTHING ON THE INTERNET THAT ISN'T SCREAMING AT OTHER PEOPLE OR POST MEMES OR WATCH SHITTY VIDEOS. THE MOMENT ANYONE AT INDIRECT COMPANY LOGS IN AND SEES ANY INFO THAT IS DIFFERENT FROM THEIR COWORKER THEY'LL SHIT THEMSELVES, FLOOD EVERYONE WITH 'OH GAWD SOME NON SPECIFIED THING IS WRONG' AND RESPOND TO EMAILS LIKE A JELLYFISH DROPPED OFF IN NEW MEXICO... AND NOTHING WILL GET DONE!!!
God damn it people.
Also side rant while I'm busy fighting the good fight to keep shit simple and etc:
People bitch about how horrible the modern web is and then bitch at web devs like we're rulers of the internet or something.... What really pisses me off about that is other devs who do that.... like bro, do you make policy at your company? You decide not to sell some info or whatever shit your company sells? Like fuck off with your 'man I miss html' because you got scared by some shitty JS error and ran back to your language of choice and just poked your head out of the the basement and got scared... and you shit on another developer about that? Fuck you.1 -
Security experts have discovered hundreds of fake websites which are being used to spread dangerous malware for Android and Windows devices. A "vast" network of over 200 internet pages, which impersonate 27 brands such as household names like TikTok, PayPal and Snapchat, are being used to spread a vicious bug which can empty out bank accounts. These bogus websites feature the notorious ERMAC banking trojan which is capable of stealing sensitive login details for 467 online banking and cryptocurrency apps.9
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Guys, I just need to know if I'm the one who's crazy.
I work at a fairly large bank. This bank has an Online Banking platform. Now, for reasons that deserve a rant of their own, I work on a self service account opening platform (in branch).
Now, my team is being tasked with adding features that will force customers to enroll in Online Banking and 2FA when opening accounts if they have not already done so.
The reason? There's low usage of the Online Banking solution.
My problem? I think this is a pointless waste of time.
Hear me out: All existing customers already have the ability to enroll with online banking, they can do it from there homes, in their underwear if they want, and they aren't doing it. Can anyone explain to me why we expect that customers who showed no interest in online banking before are going to be interested in using the application now?
You come in to branch to open an account, we stop the process to force you to enroll with internet banking(if you want to finish opening your account through the app), and then hope you'll use it now (despite the fact you could have enrolled at home all along)
We're duplicating the feature of an existing project and slowing down an unrelated process so we can hope you change your mind? Is this not a marketing problem? Do we not just need to sell the shit better? What am I not seeing? It's insane, we even took time to look at signing customers up for email addresses (in branch, while opening an account) if they didn't have one(because you need an email address for online banking). What really gets me is that everyone on my team is eating this shit up like it makes perfect sense. Like nobody else seems to think this is fucking stupid. I'm now resigned to implementing this bullshit. Am I the crazy one here? I realize I must be. Whatever I get paid anyway I guess. I raised my concerns repeatedly and I just kept getting the same stupid response. My job is done13 -
Everyday a piece of software or technology fails to delivery. From banking software to the internet of things. I fucking hate developers sometimes.1
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