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Posted on 19-08-08, 00:54
Not from my cellphone

Post: #475 of 784
Since: 10-30-18

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I'll stick to cash withdrawals once a week, like I've been doing since... well, forever.

Plus, now that I actually collect the goddamned pieces of paper, I have a legit excuse to refuse going cashless (I'm already pissed over by the pre-communist CANTV when they phased out chip phonecards, to replace them with those lameass magstripe cards which were quite ugly, and when the commies took over, they pretty much killed phone card collecting as a hobby)

Today had the chance to test this shittyass bank mobile payment app.

The app wants access to my GPS, otherwise no payments for you.

On all other mobile payment apps, you just login, pay, and you're set (one of my banks even allow for login-less payments, but up to an arbitrarily low amount, a restriction enforced by their latest update. And before you scream "UNSAAAAAAFE!!!!", be aware that all banks are mandated by law to set upper limits for daily transactions, and to allow the account holder to modify them or to stick to the max, and in this specific example, for their mobile payment app to work AT ALL, you have to enroll your device - if you phone gets lost or stolen, you simply remove it from your account ASAP). But that's not how things are done at this bank which is totally not located at a plaza, no sir!

Instead... you have to use 2FA. Over SMS or email. Except that I don't do email on my cellphones, ever. And their 2FA codes self-destruct after 3 minutes. Guess when their SMS codes do arrive - too late, usually (and you risk getting your online access flagged or locked out for your sekuritah). Plus, you DO have to manually type in the code from the SMS into the app, because this app won't "sniff" incoming SMS for that code (I guess that's a plus for privacy, but task switching or copy&paste on smartdevices without buttons is still horrible), making the whole experience a big pile of AAAAARGHH!!!

But hey, I don't get a "RESTRICTED MATERIALS OF IBM (C) 1995" warning on each screen! Instead... I got a shitpile of Javascript and a canned webview from some hipster framework named Cordova. With a native SQLite DLL because this bank is too lazy to save my frequent payments serverside, just like "mostly sane" banks do.

If I could go back in time, I would erase Andy Rubin from existence, for starters. Even ancient Windows Mobile was much saner than current mobile platforms. Yes, it was ugly. Yes, it wasn't "mass consumer friendly". And yes, it was Windows, but suckier. But smartphones were meant to be PRODUCTIVITY TOOLS, not sources of daily and constant headaches!

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Posted on 19-08-08, 01:00 (revision 3)

Post: #165 of 210
Since: 10-29-18

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@sureofnothing Japan is a cash-only society? Since when? NFC? Check. InsertBrandHerePay? Check. Credit Card at the checkout? Check. Using your train-pass for everything you can poke a stick at? Check. Buy one of ten thousand different branded cash cards at every convenience store that is available every couple of blocks in a built-up area? Check.

As usual, everything you post is TL&Stupid;DR, but two cents had to be put in here.
Posted on 19-08-08, 01:16
Custom title here

Post: #613 of 931
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Posted by Kakashi
@sureofnothing Japan is a cash-only society? Since when? NFC? Check. InsertBrandHerePay? Check. Credit Card at the checkout? Check. Using your train-pass for everything you can poke a stick at? Check. Buy one of ten thousand different branded cash cards at every convenience store that is available every couple of blocks in a built-up area? Check.

As usual, everything you post is TL&Stupid;DR, but two cents had to put in here.
I admit I was looking forward to this post, but expected a rant about ass-backwards incompetent practices.

--- In UTF-16, where available. ---
Posted on 19-08-08, 02:02
Stirrer of Shit
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Posted by Kakashi
@sureofnothing Japan is a cash-only society? Since when? NFC? Check. InsertBrandHerePay? Check. Credit Card at the checkout? Check. Using your train-pass for everything you can poke a stick at? Check. Buy one of ten thousand different branded cash cards at every convenience store that is available every couple of blocks in a built-up area? Check.

As usual, everything you post is TL&Stupid;DR, but two cents had to put in here.

Well, yes, but surely most stores over there at least accept cash? Already that is exceptional. Here, a lot of them (especially restaurants, maybe 70% of them) have signs at the door saying "ONLY CARDS," or more politely, "This is a cashless [establishment]".

I mean, "Credit Card at the checkout", that seems to imply that there exist cash-only establishments. I can't remember visiting any such establishments in the past few years, because it's impossible to turn a profit from running them. Even the local market uses mobile payments. Perhaps drugs are sold for cash, I wouldn't know, but that more or less seems to be the only application for it. And if you ask the regulator, such behavior has no place in society anyway, why cash must be stamped out.

If you'd ask most people on the street, whose face is it we have on the $50 bill, they would draw a blank, since they never handle physical currency unless they work in shops - younger people might not even know what color it is. You could probably manufacture fake currency with entirely different designs on it and nobody would notice, because they would have no mental frame of reference to compare it against.

So yes, Japan is extremely cash-friendly in comparison. If you'd ask people who it is on the 5000 yen note, surely they would know? Don't most people use cash on a regular basis, and many even exclusively?

There was a certain photograph about which you had a hallucination. You believed that you had actually held it in your hands. It was a photograph something like this.
Posted on 19-08-08, 04:16 (revision 1)

Post: #166 of 210
Since: 10-29-18

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You've gone from "it's all cash!" to, "surely it's not completely cashless?". As usual, you don't know what you're talking about and you're chasing your tail. Of course people people use cash, I never said that. People use cash everywhere in the world, still. You make stupid assumptions. People still try to counterfeit cash, but cashiers are trained on how to recognise them, just common sense. But that's besides the point. I could go on about all the alternative frauds, but there's no point. You never know what you're talking about and it baffles me that you don't realise that no one here actually enjoys your copy-pasta rants that are later backed up with nonsense when you run out of reddit posts to raid.

I'll give you an out for your ridiculous argument: Japan is experiencing a population issue currently where the number of aged people are increasing and the number of births are decreasing. There, now you have something to continue your babble with.
Posted on 19-08-08, 04:24
Custom title here

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Posted by Kakashi

I'll give you an out for your ridiculous argument: Japan is experiencing a population issue currently where the number of aged people are increasing and the number of births are decreasing. There, now you have something to continue your babble with.
So no one uses cards because they're all obsessed with writing CHECKS! UGH! NUKE THE PLACE NOW!... wait, we tried that already.

--- In UTF-16, where available. ---
Posted on 19-08-08, 04:26

Post: #167 of 210
Since: 10-29-18

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I admit, I don't see that anymore, but faxes, Faxes, FAXES!!!
Posted on 19-08-08, 04:45
Full mod

Post: #312 of 418
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No, I ain't got a fax machine!

The ending of the words is ALMSIVI.
Posted on 19-08-08, 05:14

Post: #168 of 210
Since: 10-29-18

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lolwut A falcon? That's rather random.
Posted on 19-08-08, 05:15

Post: #97 of 123
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That's nothing. I literally had to print a form, fill it in, sign it, and snail mail it back internationally to the bank in my country of birth (I use it to transfer funds to my parents) in order to update my registered mobile number just so I could actually use their newly updated online/mobile service.

I still have no idea what I'm talking about.
Posted on 19-08-08, 05:21 (revision 1)

Post: #169 of 210
Since: 10-29-18

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Certain banks still require hankos, here. It's stupid because you can buy a standard hanko anywhere as long as they have your family name. I have way too long a last name and decided to mispell my first name in katakana when I had a custom one made. That still doesn't mean that my hanko isn't easier to forge than any signature. The thing that amazed me was that I misplaced my hanko and wanted to reset my PIN. I had my passport, bank card and book, a bill and photo ID in the form of my foreigner's card, but until I got another hanko, re-registered it and then waited for them to send me another letter, I couldn't take out money from that account. Madness. This isn't every bank, for some reason. Mind you, most places let you use your signature if you're a foreigner these days. Signing for stuff is stupid here, too. I sign for $gf's deliveries and vice-versa. Ass-backwards enough for you, 'Cap?
Posted on 19-08-08, 05:22
Custom title here

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Posted by Kakashi
Certain banks still require hankos, here. It's stupid because you can buy a standard hanko anywhere as long as they have your family name. I have way too long a last name and decided to mispell my first name in katakana when I had a custom one made. That still doesn't mean that my hanko isn't easier to forge than any signature. Mind you, most places let you use your signature if you're a foreigner these days. Signing for stuff is stupid here, too. I sign for $gf's deliveries and vice-versa. Ass-backwards enough for you, 'Cap?
I will accept it.

--- In UTF-16, where available. ---
Posted on 19-08-08, 05:27

Post: #170 of 210
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Appended with a story you already know.
Posted on 19-08-08, 05:35
Custom title here

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Posted by Kakashi
lolwut A falcon? That's rather random.

They used to be hunting tools. Though perhaps "carrier pigeon" would've been more in keeping with the theme of the comic.


--- In UTF-16, where available. ---
Posted on 19-08-08, 05:41

Post: #171 of 210
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Yeah, I was thinking the same thing.
Posted on 19-08-08, 10:24
Stirrer of Shit
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Posted by Kakashi
You've gone from "it's all cash!" to, "surely it's not completely cashless?". As usual, you don't know what you're talking about and you're chasing your tail. Of course people people use cash, I never said that. People use cash everywhere in the world, still. You make stupid assumptions. People still try to counterfeit cash, but cashiers are trained on how to recognise them, just common sense. But that's besides the point. I could go on about all the alternative frauds, but there's no point.

No, not all cash, but it uses substantially more than the rest of the world:
https://en.wikipedia.org/wiki/Cashless_society#Amount_of_cash_in_circulation.
You never know what you're talking about and it baffles me that you don't realise that no one here actually enjoys your copy-pasta rants that are later backed up with nonsense when you run out of reddit posts to raid.

Rude. I don't visit reddit and any idiocy I post here is solely my own.
I'll give you an out for your ridiculous argument: Japan is experiencing a population issue currently where the number of aged people are increasing and the number of births are decreasing. There, now you have something to continue your babble with.

Absolutely nothing wrong with this, unless you're bad at handling your economy. If you're concerned with global warming and housing shortages and all that, then letting your population naturally level out ought to be the best for the long run.

Of course, I would argue it was the effect of regrettable social policies which never should have been implemented. But their approach to it still appears far more sensible than the West's, which manages to turn it into widespread social disarray, which arguably is worse than poor GDP growth.

There was a certain photograph about which you had a hallucination. You believed that you had actually held it in your hands. It was a photograph something like this.
Posted on 19-08-08, 11:08
Custom title here

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Posted by sureanem

Absolutely nothing wrong with this, unless you're bad at handling your economy. If you're concerned with global warming and housing shortages and all that, then letting your population naturally level out ought to be the best for the long run.
It is a huge problem if your handling of the elderly and infirm is not "leave them to be eaten by wolves", as it continues to skew the population distribution and leaves every young able-bodied individual to support a larger number of elderly and infirm individuals.

And no, "so feed them to the wolves" is not the appropriate response.

--- In UTF-16, where available. ---
Posted on 19-08-08, 11:11

Post: #172 of 210
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Posted by sureanem

No, not all cash, but it uses substantially more than the rest of the world.
Yeah, I just showed you why.
Rude.

No, true.
Any idiocy I post here is solely my own.

*All
I don't care what sources you para-phrase from, but wikipedia is clearly one of them.
Absolutely nothing wrong with this, unless you're bad at handling your economy. If you're concerned with global warming and housing shortages and all that, then letting your population naturally level out ought to be the best for the long run.

They're not concerned about housing shortages. They continue to build houses for no reason. Pension and the economy are the main issues, here. But managing the economy has nothing to do with it. It's about raising a society who are obsessed with working and have no time for children and/or relationships. Immigration laws are the main issue, now.

Everything else you said was irrelevant.

Your rants are inane and uneducated. You remain unable to grasp the fact that it is you who are ignorant, indirectly rude and condescending. If it takes someone like me to knock on the door and ask for Rodney Real, then so be it.
Posted on 19-08-08, 14:38

Post: #98 of 123
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Posted by Kakashi

They're not concerned about housing shortages. They continue to build houses for no reason. Pension and the economy are the main issues, here. But managing the economy has nothing to do with it. It's about raising a society who are obsessed with working and have no time for children and/or relationships. Immigration laws are the main issue, now.

Haven't kept up with initiatives there so I'm curious, are they still pushing for young adults to... like, get it on? I understand the population distribution there is out of whack, and like you mentioned, unless they seriously start opening the gates to immigration, it's not likely for the situation to improve anytime soon.
Posted by Kakashi
hankos

That reminds me, where have I kept mine? Now I'm compelled to look for it :)

I still have no idea what I'm talking about.
Posted on 19-08-08, 14:46 (revision 1)

Post: #64 of 88
Since: 11-04-18

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yikes talk bout pent up anger

Posted by sureanem
Of course, I would argue it was the effect of regrettable social policies which never should have been implemented. But their approach to it still appears far more sensible than the West's, which manages to turn it into widespread social disarray, which arguably is worse than poor GDP growth.


which approach? do you mean their nearly closed border? yeah I'm sure that'll work out in the long run...

Posted by CaptainJistuce
It is a huge problem if your handling of the elderly and infirm is not "leave them to be eaten by wolves", as it continues to skew the population distribution and leaves every young able-bodied individual to support a larger number of elderly and infirm individuals.

And no, "so feed them to the wolves" is not the appropriate response.


it is a big problem or it will become so in the not so distant future.Japan's crazy work culture certainly doesn't help though similar trends i think exists in other countries that doesn't have such issues, not to this level at least, like other places have actual paid maternity leaves and such.So even though a declining birthrate is not unique,Japan's biggest problem is they're not mitigating that decline with any kind of immigration. maybe when the population starts really dropping they're going to wisen up a bit otherwise it's going to be hard times for them
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