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#onlinepayment

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@alda OFC said Credit Card systems are in fact built up of a.lot of vanue-removing middlemen between the issuer and the main payment systems provider, including regional and national sublicensees...

  • I mean, there are some national-only "comeptitiors" like #girocard but they completely fall on their face when it comes to #OnlinePayment.

And whilst #SEPA #WireTransfer is available on almost all domestic [#EU]-wide shops, #InstantSEPA (wthin 1 hour) is not always available and it can take up to 3 bank days to get transfers finalized at the recieving end.

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@max
To quote you directly:

"[...] easy to use solutions that are at the same time private and secure. [...]"

It is easier, faster, cheaper and overall simpler to get someone setup with #XMPP + #OMEMO espechally if they don't have a #PhoneNumber and/or #ID to acquire a #SIM.

And if you go and say, "Just buy a [insert country here] [e]SIM!" and expect #TechIlliterates without a #CreditCard, #PayPal or other means of #OnlinePayment to fiddle around with some #eSIM if not having to get some #eSIMcard because they can only afford to maintain one SIM and can't spend triple-digits on a new devices then you completely missed the point!

It's not that I expect anyone to get #TechLiterate within minutes, but similar to setting up a cordless DECT phone it's something one has to do once in 5 years and just have them put the password in a safe spot to retain...

Point is that #Signal #WontFix their setup and that was evidently clear even before @Mer__edith succeeded #MoxieMarlinspike: Their entire operation has a distinct #CryptoAG stench as it's an #unsustainable #VCmoneyBurning party!

A counterexample on how this could've been done are #Tor, #eMail and other truly #OpenSource as in #MultiVendor & #MultiProvider standards.

Whereas it's trivial to get people setup on one of many XMPP servers I've personally tested!

AFAIK Signal doesn't even have an #OnionService / .onion for their Website, much less any #API enpoints to use it with!

You're free to also provide evidence and supporting data to your arguments, rather then neighsaying against proven to be more secure and reliable [by virtue of decentralization] options like XMPP+OMEMO and/or #PGP/MIME.

The proper fix is to actually assess the situation and acknowledge the risks and limitations as well as the very nature of communications, which means upgrading later is exponentially more painful, thus getting people properly setup once is way easier.

  • Just because WE [ or rather @rysiek in this case ] rather privilegued enough to not be hatecrimed in their current location doesn't mean this is the case for everyone. And having places like Signal rely on a "#CDN" is just another red flag to me because questions like this one just don't arise with monocles.chat as people can just exercise proper #SelfCustody and just use Tor!

Speaking of #monocles: That business is at least #sustainable because it's funded by users (€2 p.m.) which they can pay anonymously

gruene.socialMax L. (@max@gruene.social)@kkarhan@infosec.space Sorry but no, the correct solution is to push for easy to use solutions that are at the same time private and secure. Hiding privacy and security behind a veil of "you need to know" is discrimination of people that are not able (either mentally, physically or monetary) to gain that knowledge. The correct move here is for @signalapp@mastodon.world and any other service to fix this and for legislators to enact laws enforcing proper security and privacy by design.

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Between #GCash and #GrabPay, I like using the latter now for cashless payments whenever available.

1. You earn Grab Rewards points every time you use it, and you can then use those points for food, car and express deliveries.

2. If you cash in via credit card, you also earn points on your card, which can also be used to redeem rewards. Like air miles.

Hitting 2 birds with 1 stone. 😉

PS. Just make sure to cash in only what you need.