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398 posts

Ultimate Geek
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  # 2129956 20-Nov-2018 09:06
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michaelmurfy:

 

Just no no no no no.

 

As most of you know - I do work for a bank and I do work on the team that manages Internet Banking (among other apps). If you like using a service that logs into your IB from Amazon AWS in Sydney (which makes it incredibly easy for the bank to flag this which voids your half of the T&C's) and also like them quickly grabbing the last transactions on your account and other details then be my guest. 2.5% or whatever PB charge for a credit card payment is cheaper than getting your accounts compromised and the bank not covering you. Furthermore, all transactions are final unlike credit cards and can't be reversed. So, if lets say you use POLi on a Jetstar flight and they cancel on you then tough luck. With credit cards you can log a dispute for this and likely get your money back.

 

I've heard all the excuses but I see the requests that POLi put through to the IB platform and it isn't pretty. Changing your password does nothing, if you've used POLi multiple times then you've voided the T&C's.

 

No, not going to get into the discussion about the bank making money via credit card fees, interchange fees or anything because that isn't the reason for banks hating this service. There is legitimate and serious security concerns on this service and the fact they reverse engineer and screen scrape internet banking makes it all the more dodgy. Trust me here... This is also the last I post about it in this thread as it is off topic but I feel important to know.

 

 

I'm not condoning Poli but at some point the banks need to realise that poli exists because of a problem that could easily be resolved or added as a service by the banks themselves.

 

 

When you see companies like NZ's major airline accept Polipay for payments its not easy to tell the average joe that he should be paying a couple extra hundred for added security. He'll tell you its a rip, to bugger off and go with poli to save money on his vacation (i've tried this discussion before).

 

 

It's pretty telling too that pbtech disabled the bank transfer method right before the event. They'd rather have people eat the cc charges than bother dealing with all the bank deposits.

3212 posts

Uber Geek
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  # 2130041 20-Nov-2018 10:02
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I think it was good they extended the sale. Is a shame I was asleep haha. So still missed out on the p20s, would have gone just 1 non pro after the original order of 1x non pro an 1x p20 pro failed. I feel a bit let down as those prices were in the genuine "sale" category. I wish I had seen they added more p20 non pros. actually id have been tempted to get the pro if i wasnt just so over it, trying to deal with it.

 

I hope everyone else got what they wanted.


 
 
 
 


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  # 2130124 20-Nov-2018 11:26
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michaelmurfy:

 

I've heard all the excuses but I see the requests that POLi put through to the IB platform and it isn't pretty. Changing your password does nothing, if you've used POLi multiple times then you've voided the T&C's.

 

 

I completely agree with you, but, large companies and the government actively encourage customers to use POLI.  This reputable third party trust feeds the public perception that POLI is a secure and legitimate product .   The fine print in the banking T&C is insufficient warning , as evidenced by the vast majority of people who believe poli is legit. 

 

So, why do the banks allow poli to exist?  

 

Similarly to credit card fraud pattern analysis, banks should be actively warning their customers that POLI puts their accounts at risk for potentially large scale loss. Also, banks should warn companies using poli to cease doing so. 

 

My feeling is that banks like poli being around,  but I can't figure out why. 

 

 

 

I have used poli in the past but while I have stopped using POLI now, does this give the bank an non-expiring out clause to avoid liability if I am ever a victim of banking fraud ? 


66 posts

Master Geek
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  # 2130134 20-Nov-2018 11:42
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SpartanVXL:

 

I'm not condoning Poli but at some point the banks need to realise that poli exists because of a problem that could easily be resolved or added as a service by the banks themselves. When you see companies like NZ's major airline accept Polipay for payments its not easy to tell the average joe that he should be paying a couple extra hundred for added security. He'll tell you its a rip, to bugger off and go with poli to save money on his vacation (i've tried this discussion before). It's pretty telling too that pbtech disabled the bank transfer method right before the event. They'd rather have people eat the cc charges than bother dealing with all the bank deposits.

 

Not sure if it's too relevant but I used Online Eftpos which my bank provides, on a purchase with MightyApe, a few months ago. Seems like a decent solution but the merchant charges might still be higher that POLi. https://www.asb.co.nz/banking-with-asb/online-eftpos-and-asb-mobile.html


150 posts

Master Geek
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  # 2130201 20-Nov-2018 12:47
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TeaLeaf:

 

I think it was good they extended the sale. Is a shame I was asleep haha. So still missed out on the p20s, would have gone just 1 non pro after the original order of 1x non pro an 1x p20 pro failed. I feel a bit let down as those prices were in the genuine "sale" category. I wish I had seen they added more p20 non pros. actually id have been tempted to get the pro if i wasnt just so over it, trying to deal with it.

 

I hope everyone else got what they wanted.

 

 

First time on CyberMonday sale. It was is a bit of farce at the beginning. I was eyeing a SATA Samsung SSD. At 6pm sharp. Clicked on "Add to Chart" and got "Server Errors". Refresh the screen and click on "Add to Chart" again and it is already "out of stock". I ended up getting a M.2 version which is higher price but have much better performance.

 

I don't how the back-end systems cope the surge in transactions and I won't be surprise some savvy people have also written some bots to close the transaction quicker than a human can.


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  # 2130266 20-Nov-2018 13:53
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smalltrader:

 

At 6pm sharp. Clicked on "Add to Chart" and got "Server Errors". Refresh the screen and click on "Add to Chart"

 

 

I had my items saved to cart presuming they would just flick over pricing which they did. But still got stuck. Im presuming it was pure volume. I hung around a bit, just to miss out on they had added some more p20s which i read here, which was almost double dissapointing.

 

usually they have 5-10 items store wide on what most people consider a "sale" price and the rest is -10-15%.

 

i was just stoked to see it was something I wanted this time, and then boom boom, their online POS fails and I cant get through, still a bit gutted, 30% is a proper sale price which should be the minimum for all sale items. i think their marketing is a bit misleading with all the drama in the wording to find its just 10% which their prices already 10-30% higher on most items if you check pricespy.

 

people dont buy there for price, the average consumer buys their for convenience i think. one stop tech shop.


Mad Scientist
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  # 2130341 20-Nov-2018 14:12
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I guess this is the modern version of in-store fights for that 10 sale items, that we used to do in the past. I remember queing up at the door for boxing day sales back in the day.





Swype on iOS is detrimental to accurate typing. Apologies in advance.


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  # 2130436 20-Nov-2018 15:23
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Batman:

 

I remember queing up at the door for boxing day sales back in the day.

 

 

 

 

Reminds me of the poor buggers lining up for some event outside a Ticketek office now, waiting their turn in line whilst the rest of the country is securing the few tickets that are available.

Side note, but I can't stand radio stations having tickets to give away for concerts that are otherwise sold out.  That's just scalping in my mind.


Mad Scientist
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  # 2130439 20-Nov-2018 15:26
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Jaxson:

 

Batman:

 

I remember queing up at the door for boxing day sales back in the day.

 

 

 

 

Reminds me of the poor buggers lining up for some event outside a Ticketek office now, waiting their turn in line whilst the rest of the country is securing the few tickets that are available.

Side note, but I can't stand radio stations having tickets to give away for concerts that are otherwise sold out.  That's just scalping in my mind.

 

 

I think they are called "corporate tickets". Sponsors basically.





Swype on iOS is detrimental to accurate typing. Apologies in advance.


726 posts

Ultimate Geek
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  # 2130450 20-Nov-2018 15:44
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Jaxson:

 

Side note, but I can't stand radio stations having tickets to give away for concerts that are otherwise sold out.  That's just scalping in my mind.

 

 

You do have some interesting ideas.

 

A bunch of tickets are set aside for special purposes, limited pre-sales, promotions, travel packages etc. Those tickets were never in the public pool to begin with.

 

PB having a "sale" on some SD cards before their store wide sale is no different. It's promotion, not a conspiracy to mislead people.


84 posts

Master Geek
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  # 2130549 20-Nov-2018 18:19
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Hey guys who missed out on the Huawei P20 Pro, I'm offering one on the Offers and Wanted page. Purchased for a friend but she managed to pick one up during Cyber Monday.


386 posts

Ultimate Geek
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  # 2130563 20-Nov-2018 18:33
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michaelmurfy:

 

Just no no no no no.

 

As most of you know - I do work for a bank and I do work on the team that manages Internet Banking (among other apps). If you like using a service that logs into your IB from Amazon AWS in Sydney (which makes it incredibly easy for the bank to flag this which voids your half of the T&C's) and also like them quickly grabbing the last transactions on your account and other details then be my guest. 2.5% or whatever PB charge for a credit card payment is cheaper than getting your accounts compromised and the bank not covering you. Furthermore, all transactions are final unlike credit cards and can't be reversed. So, if lets say you use POLi on a Jetstar flight and they cancel on you then tough luck. With credit cards you can log a dispute for this and likely get your money back.

 

I've heard all the excuses but I see the requests that POLi put through to the IB platform and it isn't pretty. Changing your password does nothing, if you've used POLi multiple times then you've voided the T&C's.

 

No, not going to get into the discussion about the bank making money via credit card fees, interchange fees or anything because that isn't the reason for banks hating this service. There is legitimate and serious security concerns on this service and the fact they reverse engineer and screen scrape internet banking makes it all the more dodgy. Trust me here... This is also the last I post about it in this thread as it is off topic but I feel important to know.

 

 

I'm sure if the bank wanted to block Poli it wouldn't be too difficult - even if you detect it after the fact you could send a stern message to the use advising against the use of Poli and the consequences of doing so - but the banks don't so read into that what you want.

 

My daughter's school uses an online ordering system for everything - sausage sizzles, ice blocks, school trips. Poli is the only payment option they take. They don't take credit cards and they don't accept cash. It's Poli or nothing. 

 

 

 

 


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  # 2130582 20-Nov-2018 19:50
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SpartanVXL: I'm not condoning Poli but at some point the banks need to realise that poli exists because of a problem that could easily be resolved or added as a service by the banks themselves. When you see companies like NZ's major airline accept Polipay for payments its not easy to tell the average joe that he should be paying a couple extra hundred for added security. He'll tell you its a rip, to bugger off and go with poli to save money on his vacation (i've tried this discussion before). It's pretty telling too that pbtech disabled the bank transfer method right before the event. They'd rather have people eat the cc charges than bother dealing with all the bank deposits.

 

ASB have online eftpos which someone supported at some time but I think that its gone now.

 

At the end of it, banks are happy to post out a piece of plastic with a constant code on it that allows money to go from one website to another. Until the losses on that absurdly stupid idea exceed their income from it, they have no incentive to change it. Most of the liability falls on the merchants not the banks so its pretty risk free for them.

 

Ideally we would have working paypal in NZ with both direction money from a bank account and be able to use that to pay for things on more retailers but as NZ is an afterthought for most companies then we will probably be the last to see that happen.





Richard rich.ms

31 posts

Geek


  # 2131048 21-Nov-2018 12:57
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Two things:

 

 

 

1) POLi - No absolutely NO - I just close any site that uses it ;-)

 

 

 

2) PB Tech black Friday / Cyber Monday is on the wrong date!  Warehouse, Amazon and all others use the weekend of 24th Nov.... so why do they think they're so special that they can "choose" their own date ;-p


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  # 2131051 21-Nov-2018 13:00
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HamiltonJack:

 

Two things:

 

 

 

1) POLi - No absolutely NO - I just close any site that uses it ;-)

 

 

 

2) PB Tech black Friday / Cyber Monday is on the wrong date!  Warehouse, Amazon and all others use the weekend of 24th Nov.... so why do they think they're so special that they can "choose" their own date ;-p

 

 

2) because they want you to spend your money before amazon / warehouse etc does their deals


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