Old school but all the machines for paying in cash in Japan are so optimized for speed. Train stations, onboard buses, convenience stores. Just throw in a handful of coins and it quickly picks what it needs and returns what it doesn’t.
In other countries (eg australia), the ticket machines could only take a single coin at a time and would reject if you did it too fast.
I believe this is one (of several) reasons why cash has continued to be dominant in Japan.
Boston was the last major city I saw to actually add this in the US (every other major city metro I've seen has it). Boston got it last Spring or Summer if I recall. The MBTA is a nightmare, but at least I don't have to reload my Charlie Card anymore...
I've seen people on YouTube using the U-Scan at Walmart like a CoinStar. Apparently if you lift where the coin slot is you can dump in coins and it will process it all. If the total is more than your bill, it gives you the money back.
While I'm not sure about the refund of an overpayment, there are also the toll booths that have buckets to throw change into. Though most tolls seem to be electronic these days.
The apartment (flats) issue is one that has some exceptions, in the USA, as I've seen single family homes and small duplexes, along with larger complexes that have inaccessible units - I think over a certain size, at least some percentage have to be accessible (just as a bathroom has to have at least one accessible stall, but is not required to have more).
Residences and rental units are not required to be ADA compliant. A multi-tenant residential building must be ADA compliant in the common and public areas of the building.
For residential rental units, landlords must make ‘reasonable accommodations, unless they would impose undue financial or administrative burden,’ which means if you get paralyzed while renting an apartment that isn’t ADA compliant you’re probably fucked unless you can afford to add a ramp yourself, and pay to have it removed when you leave. Adding a wheelchair ramp would be an undue financial burden, so a landlord isn’t required to add one. Replacing the door to a unit with a 36” wide door would likely not be considered an undue financial burden, so if you live in a building with ADA compliant public spaces and elevators, you’re probably OK since the landlord will likely install a larger door.
Government owned housing is required to be ADA compliant.
Europe is diverse. The parts of Germany I happen to know, are mostly ADA compliant, or even more so. From the little bits I know about stuff like that. Anything wheelchair accesible I tend to notice as avid bicyclist. Other things are clearly visible, audible, or tactile. Like textured markings on the ground for the blind, braille markings on all sorts of buttons, near screens, acoustic signaling at street crossings, in stations, doors of buses & trains, lifts, in all sorts of public spaces. If there is something wrong with that, say a lift for acessability of platforms, it's in the local news. Which doesn't necessarily means it gets fixed fast, depending on who manages that property. Let's say Deutsche Bahn, which is mostly foobared.
Anyways, that is NOT the case in the parts I know of the US. Much less markings, much less signaling, much shrug, so what?
I guess the US are diverse too, uh?
What comes to mind for .de and its ADA-equivalents are:
Beeping or 'knocking' drifting slowly apart, to randomly come to be synchronized for a moment, then drifting apart again. I think I'd go crazy when I'd have to live near such things.
Otherwise, during daily life I tend to be annoyed by all that beeping.
Yes, of course Europe doesn't have any US laws but to suggest that it doesn't have legislation about accessibility is simply wrong. Guess what... the legislation generally applies to buildings and construction post-dating the legislation. Applicability to earlier structures will vary depending on feasability and justification (cost, traffic).
What an Orwellian nightmare. These systems require real-time GPS data.
Just as buying a ticket with cash is becoming increasingly hard in parts of Europe, I can see a near future where having a phone sending constant GPS updates becomes a requirement (a requirement in an strict sense, or the sense that the alternative is unreasonably cumbersome or more expensive)
Furthermore: Nostradamus, Mühlhiasl, Alois Irlmaier, Baba Vanga
They all had something to say about universal tracking of movement in general, and payments especially. Depending on interpretation, of course. But visions and trips can be hazy and vague. As can be translations of very old texts.
For instance, that (mark of the) beast can also mean just a (new(emerging)) thing, not a literal animal.
Which in this context can mean anything from credit-/debit-/chipcard/smartphone/bar-, QR-code/(implanted or otherwise mandatory)RFID, where without that you can't do a thing.
The new passport, revokable anytime, for any reason.
But... when you are cought as bystander in some dragnet, or your accounts are canceled by some zalgorithmic system spasm, the banks have (mandatory)internal systems which forbid them to give any information about why to the affected person.
Which also can be (ab)used to silence/disable/cancel politically divergents/misfits, whistleblowers, etc. Triggered by their political enemies.
At least on iOS, it doesn't access the GPS directly. It asks the OS for updates to the device's location with a certain degree of precision. It's up to the OS to blend various sensor data (GPS, cellular, Wi-Fi, Bluetooth beacons - the latter is used underground to get a good position fix without a line of sight to the sky) and send that to the app. If it was using GPS continuously it would drain your battery very quickly. So if the device can get a good idea of its location via Wi-Fi/Bluetooth, it will not even bother turning on the GPS.
Yes, but underground systems are a substantial part of many mass transit networks, and even for those that aren't underground, GPS connection can't be considered reliable. Anyway if you are scared of Orwellian nightmares you shouldn't use public transport anyway as there are CCTVs everywhere.
I'm a bit confused - how does this differ from something like The Tube in London where I tap on and tap off and it'll charge me based on the entry and exit points and whatever the appropriate "zone" travel I did was?
Queensland, Australia introduced state-wide $0.50 public transit fares a year ago, and it’s been a raging success. Conveniently, this also eliminates the entire problem class of needing to calculate fares. Mind you, for those unfamiliar, QLD is a state 2.5x larger than Texas, 5x larger than all of Japan, 7x larger than Great Britain, and is bigger than all but 16 countries.
I guess size is a factor but also population density, does QLD have way less people per sq.m and does that make it easier to implement stuff like this?
QLD population density is something like 2000x lower than that of Tokyo…
Our public transport systems are so bad.
The Brisbane airport rail connection runs about half as many train services as the Perth airport, which seems about half the amount of travellers each year as Brisbane airport. It’s crazy, double the fare burden, half the patronage, and stuck in a monopoly contract until 2036.
Don’t even get me started on the stupid busways, gimped light rails, the new “metro” and the endless amount poured into the motorways that they have been widening one lane at a time for 3 decades…
More than that (which is an amazing feature, don't get me wrong) is the fact that there is a single app for every public transportation system in the country.
Compare that to Italy/France/Spain (those that I know) where, depending where you are traveling to, you have to download, sign in, and give your credit card details to N different apps in different states of disrepair/being barely maintained.
Virtual credit cards (I use Revolut) that I then delete mitigate that, but still, what a mess.
In The Netherlands you just tap your card when you get in and when you get out. the fare is computed based on how many stops you went. No app needed. Supports all the virtual cards too like apple pay etc...
I believe Copenhagen has this too now. I visited in the same week they were launching the system (last year?) and it worked perfectly. All you had to do was press a button on your phone as you enter and leave the station and it automatically calculates what you owe. I loved it. It also worked throughout all of the different train systems.
I was in Paris some years ago, and it surprised me that a jug of water for drinking was free on every table. Of course if you wanted any other beverage you’d pay for it, but just quenching your thirst was free.
In Germany water is not free, but instead another income for restaurants. Also it needs a law (only since 2001) that the cheapest beverage must be non-alcoholic. (Yet water could be more expensive than beer, as long as e.g. apple juice costs equal or less.)
Swiss/Danish/Finnish Mobile Payment alternatives like TWINT and MobilePay.
Also: physical lockers with PIN/Code instead of keys (in basically every country aside from Germany). It's just completely bonkers to me, that German train station lockers still use physical Keys EVERYWHERE.
I like the keys. The key has the locker number on it, so you don't have to remember anything. And there's no way to screw up setting the pin because of a language barrier, since there are basically no instructions needed for key lockers. FWIW the key lockers are more common in Japan as well.
I use mobilepay when paying online. Its quicker than the credit card.
But the service is owned by the greedy banks so it will probably end with me abandoning it because it will get too expensive when they have enough users.
There’s probably an economy around those keys - people who lose them have to pay an (overinflated) deposit, some company is overcharging the locker owner for key replacements, etc. At every layer someone skims a bit of money, so nobody in power of changing the system is actually incentivized to do so.
In China, nearly everything works via the same app (WeChat) and via QR code. Every grocery store, coffee shop, train station, or point of sale has the same scanner, where you can flash your QR code. I don't think I saw a single physical currency exchanged in the entire 6 weeks I was there.
I keep hearing that X wants to be the "everything" app. WeChat is _already_ the everything app. It's DoorDash, Venmo, Facebook, Instagram, and about 500 other apps in one.
I will say that I disliked the pattern of every restaurant using a WeChat "mini app" where it basically loads an entirely new app within WeChat just to see the menu or order. It felt much clunkier than just using a web page.
Brisbane now as well since the past ~1 year or so, much better than the old Go Card system. The only downside in most places with these systems though is that there is no easy way to pay for e.g. children, would be perfect if you could say 3x tickets on this card when you tap in + out.
How does someone login via this system? I'm asking because it has the force of law. In that sense, I can't imagine that passwords alone would be enough.
That's very interesting. How do they know what's outgoing? Do they have to check the address of each letter, or is there like a separate compartment for outgoing mail?
Wow, I always had the impression the red flag is set by the mail carrier to indicate for the house owner (particularly in rural areas) that new mail is inside the box. (Hence it would save the owner a trip for checking.)
Some mailboxes have an indicator that mail has arrived, but they aren't the norm. The indicator is raised by the action of opening the door, so the mail carrier doesn't have to do anything. It is on the person getting the mail to reset the indicator. This indicator is separate from the flag that signals the carrier that there is mail to pick up.
Tbh, as long as you make the mail obviously not placed by them they'll take it. (as in don't need to use a flag).
Like they always shove (or drop) it into the mailbox so when there's letters that are obstructing the box from closing properly they know they didn't place them there so it's outgoing and they grab it.
Found it super helpful for getting around London. Would be great for somewhere like Athens. Google Maps decently supports this as well, bit CityMapper UX is better for the task.
Car sharing in Germany such as Bolt and Miles. The pickup and drop-off anywhere model is so much more convenient than the point-to-point or round trip model that zip car uses. They are cost competitive with public transit or private car ownership.
In comparison with how tightly-guarded personal email addresses are protected (GDPR, etc.), it's shocking how common it is to freely give out your IBAN.
It helps that, to be able to use an IBAN for withdrawals, you basically have to "sign" a recurring transfer agreement. Otherwise it's pretty much always a "push" transaction from buyer to seller.
Better than being able to commit ACH fraud merely by virtue of having the bank's routing and account number.
Side note: shout out to both MB Way and Multibanco payments in Portugal that have made it so I haven't have to give payment information to an online vendor in years.
But there is no cryptography or any kind of identity verification involved in "signing" such an agreement. If I know your IBAN I can subscribe to such an agreement on your behalf.
I'm not sure about Europe, but at least in the UK, what makes such a system secure is that the account holder can reverse any "pull" transaction for over a month, with the merchant being on the hook. So it reduces the incentive to exploit it (or at least shifts the risk off the account holder), to a level where it's pretty much never done.
I don't have any experience with making fraudulent transactions, but I at least had to prove who I was when signing up for recurring transactions (so the fraud would've been effectively in my name), and I also see all my authorizations in my bank app (and I can remove them at any time).
In the US, I'd be more worried about a one-time fraudulent ACH withdrawal than a recurring payment situation.
I don't see a similar risk here. It seems like there are more hoops to go through to make a pull transaction?
I pay for several services via SEPA direct debit and the only things I had to provide to sign up was an IBAN and a pinky-promise I was the account holder. As far as I know they have to way to correlate the identity information on the provider account to the bank account holder’s, so it should work in case of fraud too. This lines up with how UK direct debits work as well, where a “sort code” (bank identifier) and account number are enough.
I presume the only security there is arises from the fact that those transactions can be reversed by the account holder within a generous grace period, and that this method of payment is only ever used to pay for long-standing services where there’s a strong paper trail to the beneficiary of said service (so not much point in doing the fraud to begin with).
IME, though, the whole authorization system I've had to use with SEPA and IBANs feels more secure, and I've had no misgivings about using it to transfer or receive money.
By comparison, using ACH to transfer funds between accounts is usually bidirectional in bank apps, so if you give me your account info so I can send you money, I can also use that same info to withdraw money.
That means I'd never send you my routing and account number even if the original purpose is for you to send me money.
Can ACH not be reversed? My understanding is that the European systems are just as vulnerable, but what makes them "secure" is that they can be reversed no-questions-asked, making such an attack pointless unless you know the account holder isn't going to notice it for months.
Not sure what you mean by "reversed". You have 60 days to tell your bank the transaction wasn't authorized, iirc, and you should get reimbursed. It might just be a hassle and it likely wouldn't be quick.
I've only had to deal with credit card fraud in the US and it was easy enough.
I did have a restaurant accidentally charge me $983 instead of $98.30 on a debit card for a meal during a holiday and, even though they immediately voided it, that still ended up basically blocking almost $1000 for several days. I can't imagine reversing an ACH transaction would be faster.
Overall I have no huge complaints about banking in the US. I just find it better in Europe so far, particularly sending money with IBANs.
No, European systems are not vulnerable like this. You can't do anything given my IBAN etc., you would need access to my banking app or website plus whatever 2fa I have set up there to send money from my account. And SEPA transfers can't be reversed easily AFAIK.
Old school but all the machines for paying in cash in Japan are so optimized for speed. Train stations, onboard buses, convenience stores. Just throw in a handful of coins and it quickly picks what it needs and returns what it doesn’t.
In other countries (eg australia), the ticket machines could only take a single coin at a time and would reject if you did it too fast.
I believe this is one (of several) reasons why cash has continued to be dominant in Japan.
Sydney lets you use your credit card to tap on to trains and buses, which is very nice
Vancouver does this too, at least on the SkyTrain. Very convenient when you're a visitor.
as does Chicago. Credit card or just any tap to pay card on your phone works tapping in and out.
Boston was the last major city I saw to actually add this in the US (every other major city metro I've seen has it). Boston got it last Spring or Summer if I recall. The MBTA is a nightmare, but at least I don't have to reload my Charlie Card anymore...
We have the tech in the USA but it’s only ever used for coin counting machines (which themselves are relatively rare).
Not only in coin counting machines.
I've seen people on YouTube using the U-Scan at Walmart like a CoinStar. Apparently if you lift where the coin slot is you can dump in coins and it will process it all. If the total is more than your bill, it gives you the money back.
While I'm not sure about the refund of an overpayment, there are also the toll booths that have buckets to throw change into. Though most tolls seem to be electronic these days.
If I can go the other way - one thing the USA has that Europe, at least, doesn’t - the ADA.
US businesses are basically all wheelchair accessible - easily, too. Most sidewalks have curb cuts at street crossings. Ramps are commonplace.
This is NOT the cause in Europe, and not only in the historic old buildings.
Even using a stroller is noticeably different; I can’t imagine being in a wheelchair in some cities.
Basically every building in Ireland is wheelchair accessible in some form.
Has been for well over twenty years at this point.
It had a number of unexpected consequences, like making it much harder/illegal to rent flats over shops in much of the city centres.
The apartment (flats) issue is one that has some exceptions, in the USA, as I've seen single family homes and small duplexes, along with larger complexes that have inaccessible units - I think over a certain size, at least some percentage have to be accessible (just as a bathroom has to have at least one accessible stall, but is not required to have more).
Residences and rental units are not required to be ADA compliant. A multi-tenant residential building must be ADA compliant in the common and public areas of the building.
For residential rental units, landlords must make ‘reasonable accommodations, unless they would impose undue financial or administrative burden,’ which means if you get paralyzed while renting an apartment that isn’t ADA compliant you’re probably fucked unless you can afford to add a ramp yourself, and pay to have it removed when you leave. Adding a wheelchair ramp would be an undue financial burden, so a landlord isn’t required to add one. Replacing the door to a unit with a 36” wide door would likely not be considered an undue financial burden, so if you live in a building with ADA compliant public spaces and elevators, you’re probably OK since the landlord will likely install a larger door.
Government owned housing is required to be ADA compliant.
This depends on where in Europe. From personal experience of a relative (going back 20+ years), the Netherlands is very accessible by wheelchair.
Europe is diverse. The parts of Germany I happen to know, are mostly ADA compliant, or even more so. From the little bits I know about stuff like that. Anything wheelchair accesible I tend to notice as avid bicyclist. Other things are clearly visible, audible, or tactile. Like textured markings on the ground for the blind, braille markings on all sorts of buttons, near screens, acoustic signaling at street crossings, in stations, doors of buses & trains, lifts, in all sorts of public spaces. If there is something wrong with that, say a lift for acessability of platforms, it's in the local news. Which doesn't necessarily means it gets fixed fast, depending on who manages that property. Let's say Deutsche Bahn, which is mostly foobared.
Anyways, that is NOT the case in the parts I know of the US. Much less markings, much less signaling, much shrug, so what?
I guess the US are diverse too, uh?
What comes to mind for .de and its ADA-equivalents are:
https://de.wikipedia.org/wiki/Behindertengleichstellungsgese...
https://de.wikipedia.org/wiki/Barrierefreiheit
https://de.wikipedia.org/wiki/Barrierefreies_Bauen
https://de.wikipedia.org/wiki/Bodenleitsystem ( I like to walk on these! )
Also funny, in the middle of the night, when there is no traffic at all, are the https://en.wikipedia.org/wiki/Syncopation 's the traffic lights produce.
Beeping or 'knocking' drifting slowly apart, to randomly come to be synchronized for a moment, then drifting apart again. I think I'd go crazy when I'd have to live near such things.
Otherwise, during daily life I tend to be annoyed by all that beeping.
Blinkered nonsense.
Yes, of course Europe doesn't have any US laws but to suggest that it doesn't have legislation about accessibility is simply wrong. Guess what... the legislation generally applies to buildings and construction post-dating the legislation. Applicability to earlier structures will vary depending on feasability and justification (cost, traffic).
The Swiss public transport ticketing system. Their app uses location services to automatically determine your fare, so you don’t need to buy tickets in advance: https://www.sbb.ch/en/travel-information/apps/sbb-mobile/eas....
As a bonus there are no ticket barriers so no queues and no overheads of maintaining those machines.
What an Orwellian nightmare. These systems require real-time GPS data.
Just as buying a ticket with cash is becoming increasingly hard in parts of Europe, I can see a near future where having a phone sending constant GPS updates becomes a requirement (a requirement in an strict sense, or the sense that the alternative is unreasonably cumbersome or more expensive)
Tss...
https://www.biblegateway.com/passage/?search=Revelation%2013...
https://en.wikipedia.org/wiki/Number_of_the_beast#Mark_of_th...
Furthermore: Nostradamus, Mühlhiasl, Alois Irlmaier, Baba Vanga
They all had something to say about universal tracking of movement in general, and payments especially. Depending on interpretation, of course. But visions and trips can be hazy and vague. As can be translations of very old texts.
For instance, that (mark of the) beast can also mean just a (new(emerging)) thing, not a literal animal.
Which in this context can mean anything from credit-/debit-/chipcard/smartphone/bar-, QR-code/(implanted or otherwise mandatory)RFID, where without that you can't do a thing.
The new passport, revokable anytime, for any reason.
https://en.wikipedia.org/wiki/ID2020 , https://en.wikipedia.org/wiki/You'll_own_nothing_and_be_happ... , https://en.wikipedia.org/wiki/Bank_Secrecy_Act , https://en.wikipedia.org/wiki/Suspicious_activity_report , https://en.wikipedia.org/wiki/Know_your_customer which on paper look all very good und justified.
But... when you are cought as bystander in some dragnet, or your accounts are canceled by some zalgorithmic system spasm, the banks have (mandatory)internal systems which forbid them to give any information about why to the affected person.
Which also can be (ab)used to silence/disable/cancel politically divergents/misfits, whistleblowers, etc. Triggered by their political enemies.
Brave new world, isn't it?
You don’t have to use this (awesome) system.
You can buy tickets to the trains and trams everywhere.
I acknowledged that in my comment, and didn't claim otherwise
Sending GPS updates from the subway?
At least on iOS, it doesn't access the GPS directly. It asks the OS for updates to the device's location with a certain degree of precision. It's up to the OS to blend various sensor data (GPS, cellular, Wi-Fi, Bluetooth beacons - the latter is used underground to get a good position fix without a line of sight to the sky) and send that to the app. If it was using GPS continuously it would drain your battery very quickly. So if the device can get a good idea of its location via Wi-Fi/Bluetooth, it will not even bother turning on the GPS.
There are many public transport systems that are not a subway. There are trains and buses that are wholly above ground, for example.
Yes, but underground systems are a substantial part of many mass transit networks, and even for those that aren't underground, GPS connection can't be considered reliable. Anyway if you are scared of Orwellian nightmares you shouldn't use public transport anyway as there are CCTVs everywhere.
I'm a bit confused - how does this differ from something like The Tube in London where I tap on and tap off and it'll charge me based on the entry and exit points and whatever the appropriate "zone" travel I did was?
Queensland, Australia introduced state-wide $0.50 public transit fares a year ago, and it’s been a raging success. Conveniently, this also eliminates the entire problem class of needing to calculate fares. Mind you, for those unfamiliar, QLD is a state 2.5x larger than Texas, 5x larger than all of Japan, 7x larger than Great Britain, and is bigger than all but 16 countries.
I guess size is a factor but also population density, does QLD have way less people per sq.m and does that make it easier to implement stuff like this?
QLD population density is something like 2000x lower than that of Tokyo…
Our public transport systems are so bad.
The Brisbane airport rail connection runs about half as many train services as the Perth airport, which seems about half the amount of travellers each year as Brisbane airport. It’s crazy, double the fare burden, half the patronage, and stuck in a monopoly contract until 2036.
Don’t even get me started on the stupid busways, gimped light rails, the new “metro” and the endless amount poured into the motorways that they have been widening one lane at a time for 3 decades…
More than that (which is an amazing feature, don't get me wrong) is the fact that there is a single app for every public transportation system in the country.
Compare that to Italy/France/Spain (those that I know) where, depending where you are traveling to, you have to download, sign in, and give your credit card details to N different apps in different states of disrepair/being barely maintained.
Virtual credit cards (I use Revolut) that I then delete mitigate that, but still, what a mess.
In The Netherlands you just tap your card when you get in and when you get out. the fare is computed based on how many stops you went. No app needed. Supports all the virtual cards too like apple pay etc...
Frankly the Swiss system is far superior.
The Netherlands has a great train system except for the god damn turnstiles blocking the entrance to the train station.
They are not needed.
FWIW I live in Switzerland and work a lot in Netherlands.
dumb question but what happens if you forget to tap out ?
You likely get charged from where you got on to the end of the route.
I believe Copenhagen has this too now. I visited in the same week they were launching the system (last year?) and it worked perfectly. All you had to do was press a button on your phone as you enter and leave the station and it automatically calculates what you owe. I loved it. It also worked throughout all of the different train systems.
Whenever I use that one I forget to check out then bike half across town several times over and at 3 in the morning I get a huge ticket.
I don't understand how so many tech-minded people on this site completely disregard the value of privacy. How is this a win?
My expectation of privacy when in a vehicle with dozens if not hundreds of strangers with cameras is low.
Certain parts of France and Germany, that I know, use something similar for regional trains and buses: FAIRTIQ
It’s the same. FAIRTIQ is a Swiss company
This. It also caps your fares in a day to the cost of a daily ticket, so you don't get overcharged.
I was in Paris some years ago, and it surprised me that a jug of water for drinking was free on every table. Of course if you wanted any other beverage you’d pay for it, but just quenching your thirst was free.
In Germany water is not free, but instead another income for restaurants. Also it needs a law (only since 2001) that the cheapest beverage must be non-alcoholic. (Yet water could be more expensive than beer, as long as e.g. apple juice costs equal or less.)
In India water is free in almost all restaurants.
Even if you don't order anything, you can just drink it and leave.
Some fancy restaurants don't allow it though.
I thought the author from the US where water is usually served for free, pretty much in all restaurants?
Swiss/Danish/Finnish Mobile Payment alternatives like TWINT and MobilePay.
Also: physical lockers with PIN/Code instead of keys (in basically every country aside from Germany). It's just completely bonkers to me, that German train station lockers still use physical Keys EVERYWHERE.
I like the keys. The key has the locker number on it, so you don't have to remember anything. And there's no way to screw up setting the pin because of a language barrier, since there are basically no instructions needed for key lockers. FWIW the key lockers are more common in Japan as well.
I use mobilepay when paying online. Its quicker than the credit card.
But the service is owned by the greedy banks so it will probably end with me abandoning it because it will get too expensive when they have enough users.
There’s probably an economy around those keys - people who lose them have to pay an (overinflated) deposit, some company is overcharging the locker owner for key replacements, etc. At every layer someone skims a bit of money, so nobody in power of changing the system is actually incentivized to do so.
In China, nearly everything works via the same app (WeChat) and via QR code. Every grocery store, coffee shop, train station, or point of sale has the same scanner, where you can flash your QR code. I don't think I saw a single physical currency exchanged in the entire 6 weeks I was there.
I keep hearing that X wants to be the "everything" app. WeChat is _already_ the everything app. It's DoorDash, Venmo, Facebook, Instagram, and about 500 other apps in one.
I will say that I disliked the pattern of every restaurant using a WeChat "mini app" where it basically loads an entirely new app within WeChat just to see the menu or order. It felt much clunkier than just using a web page.
London and Stockholm: swipe your credit card for public transport. Great for visitors (I guess for residents a subscription will be cheaper)
In London contactless payment via credit/debit/Apple/Android has automatic daily and weekly caps
https://tfl.gov.uk/fares/find-fares/capping
Depending on the frequency of travel, it can be cheaper to get season tickets though
New York's MTA does this as well. You just need to make sure it's the same card being used.
https://omny.info/fares
I don't think so (not a Londoner)
It was my impression that the whole thing was just about simplification in order to provide a better service.
Sydney too, for quite a while (I am sure at least 5 yrs maybe 10)
Brisbane now as well since the past ~1 year or so, much better than the old Go Card system. The only downside in most places with these systems though is that there is no easy way to pay for e.g. children, would be perfect if you could say 3x tickets on this card when you tap in + out.
BLIK from Poland - https://www.blik.com/en/how-to-use-blik
It's a code you generate in your bank app to pay for anything - no need to fill in card details etc, you just provide this one time code.
BankID (or Freja ID) in Sweden which makes login to almost everything a breeze.
- Sweden’s national digital ID, run by banks - Used for login, payments, contracts, gov services - Legally binding like a handwritten signature
How does someone login via this system? I'm asking because it has the force of law. In that sense, I can't imagine that passwords alone would be enough.
In the USA, the postal service picks up outgoing mail from your mailbox. I wish they would do that in the UK.
That's very interesting. How do they know what's outgoing? Do they have to check the address of each letter, or is there like a separate compartment for outgoing mail?
Most mailboxes have a little plastic flag on a hinge you flip up to mark that you have outgoing mail. The process is is generally:
1. Remove all mail from the mailbox
2. Place outgoing mail in the mailbox
3. Raise the outgoing mail flag
4. Carrier will empty the box and file outgoing mail during the next delivery before putting new mail in the box
Edit: here is a good example of a mailbox with that red flag https://www.amazon.com/Step2-541200-MailMaster-Mailbox-Black...
Wow, I always had the impression the red flag is set by the mail carrier to indicate for the house owner (particularly in rural areas) that new mail is inside the box. (Hence it would save the owner a trip for checking.)
But this way around it makes a lot more sense.
Some mailboxes have an indicator that mail has arrived, but they aren't the norm. The indicator is raised by the action of opening the door, so the mail carrier doesn't have to do anything. It is on the person getting the mail to reset the indicator. This indicator is separate from the flag that signals the carrier that there is mail to pick up.
Tbh, as long as you make the mail obviously not placed by them they'll take it. (as in don't need to use a flag).
Like they always shove (or drop) it into the mailbox so when there's letters that are obstructing the box from closing properly they know they didn't place them there so it's outgoing and they grab it.
This is only true in rural areas and most suburbs. In the city, you often have to take it to a blue post box.
Although some carriers will pick up outgoing mail in an apartment building if you leave it where they can see it and indicate it clearly.
You can get them to pick up parcels now, at least.
CityMapper for more cities.
Found it super helpful for getting around London. Would be great for somewhere like Athens. Google Maps decently supports this as well, bit CityMapper UX is better for the task.
Car sharing in Germany such as Bolt and Miles. The pickup and drop-off anywhere model is so much more convenient than the point-to-point or round trip model that zip car uses. They are cost competitive with public transit or private car ownership.
definitely loved renting e-scooters when I was in Germany, really convenient with how many bike paths there are
Caja - universal healthcare in Costa Rica and even relatively cheap private insurance.
Instant free bank transfers by IBAN.
In comparison with how tightly-guarded personal email addresses are protected (GDPR, etc.), it's shocking how common it is to freely give out your IBAN.
It helps that, to be able to use an IBAN for withdrawals, you basically have to "sign" a recurring transfer agreement. Otherwise it's pretty much always a "push" transaction from buyer to seller.
Better than being able to commit ACH fraud merely by virtue of having the bank's routing and account number.
Side note: shout out to both MB Way and Multibanco payments in Portugal that have made it so I haven't have to give payment information to an online vendor in years.
But there is no cryptography or any kind of identity verification involved in "signing" such an agreement. If I know your IBAN I can subscribe to such an agreement on your behalf.
I'm not sure about Europe, but at least in the UK, what makes such a system secure is that the account holder can reverse any "pull" transaction for over a month, with the merchant being on the hook. So it reduces the incentive to exploit it (or at least shifts the risk off the account holder), to a level where it's pretty much never done.
I don't have any experience with making fraudulent transactions, but I at least had to prove who I was when signing up for recurring transactions (so the fraud would've been effectively in my name), and I also see all my authorizations in my bank app (and I can remove them at any time).
In the US, I'd be more worried about a one-time fraudulent ACH withdrawal than a recurring payment situation.
I don't see a similar risk here. It seems like there are more hoops to go through to make a pull transaction?
I pay for several services via SEPA direct debit and the only things I had to provide to sign up was an IBAN and a pinky-promise I was the account holder. As far as I know they have to way to correlate the identity information on the provider account to the bank account holder’s, so it should work in case of fraud too. This lines up with how UK direct debits work as well, where a “sort code” (bank identifier) and account number are enough.
I presume the only security there is arises from the fact that those transactions can be reversed by the account holder within a generous grace period, and that this method of payment is only ever used to pay for long-standing services where there’s a strong paper trail to the beneficiary of said service (so not much point in doing the fraud to begin with).
That sounds right.
IME, though, the whole authorization system I've had to use with SEPA and IBANs feels more secure, and I've had no misgivings about using it to transfer or receive money.
By comparison, using ACH to transfer funds between accounts is usually bidirectional in bank apps, so if you give me your account info so I can send you money, I can also use that same info to withdraw money.
That means I'd never send you my routing and account number even if the original purpose is for you to send me money.
Why is that shocking? You can't really do anything with my bank account's IBAN unless you want to send me some money.
It is shocking because ACH fraud in the US is shockingly easy to commit if you have the equivalent to someone's IBAN (ie routing + account number).
Can ACH not be reversed? My understanding is that the European systems are just as vulnerable, but what makes them "secure" is that they can be reversed no-questions-asked, making such an attack pointless unless you know the account holder isn't going to notice it for months.
Not sure what you mean by "reversed". You have 60 days to tell your bank the transaction wasn't authorized, iirc, and you should get reimbursed. It might just be a hassle and it likely wouldn't be quick.
I've only had to deal with credit card fraud in the US and it was easy enough.
I did have a restaurant accidentally charge me $983 instead of $98.30 on a debit card for a meal during a holiday and, even though they immediately voided it, that still ended up basically blocking almost $1000 for several days. I can't imagine reversing an ACH transaction would be faster.
Overall I have no huge complaints about banking in the US. I just find it better in Europe so far, particularly sending money with IBANs.
No, European systems are not vulnerable like this. You can't do anything given my IBAN etc., you would need access to my banking app or website plus whatever 2fa I have set up there to send money from my account. And SEPA transfers can't be reversed easily AFAIK.
Never mind individuals, but how are businesses sending money to each other then? Would it not be much cheaper to use a system like SEPA/IBAN too?
I don't actually know how B2B works, first hand.
As a consumer, though, the way things work in Europe (at least where I live) just make more sense to me than what I experienced in the US.
Not sure if I understand correctly, but are you saying that IBAN leaks personal information?
App: Fountains in Italy.
ThirstyInRome I presume (the only iOS app returned when searching for ‘Fountains in Italy’ :-)
Shinkansen
and japanese toilets