Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


View this topic in a long page with up to 500 replies per page Create new topic
1 | 2 | 3 
quickymart
5713 posts

Uber Geek


  #2497543 3-Jun-2020 17:58
Send private message

I like the card system that BNZ uses (as per the first page), as well as authentication on their app. Seems to work quite well.


Intravix
95 posts

Master Geek


  #2497550 3-Jun-2020 18:12
Send private message

zespri:

 

michaelmurfy:

 

It is also vitally important you don't use systems like POLi as this goes against your internet banking terms of use (as systems like POLi "man in the middle you" and login to your internet banking to make a payment) - banks can detect when such systems are used and whilst they allow them, they may use this against you if you get compromised in the future.

 

 

This is something I find very puzzling. POLi should not exist the way it is and has been, yet, it's allowed. I'm a technical person, so I know how bad it is, but to convince a non-techie, that POLi is much worse than, say paying via a credit card, or internet banking is very difficult, because it's all the same to them. When POLi first appeared on my radar I was hoping that it would be closed down soon, so apparently it is insecure. Yet it keeps being around a year after year.

 

 

 

 

I remember watching my parents use POLi more than a decade ago when I was in my teens and thinking, this doesn't seem right.

 

I suppose if you're trying to explain this to someone non-technical, say that it's like having some third party follow you into the bank and watch you transfer money into their account, while collecting all your personal banking information and that they *could* come in later and pretend to be you. Oh and if they do, you're screwed because you broke the terms and conditions with your bank.


 
 
 
 


Geektastic
14850 posts

Uber Geek

Trusted
Lifetime subscriber

  #2497553 3-Jun-2020 18:23
Send private message

I've used both Dashlane and Onepass.

 

 

 

Neither of them have proven foolproof in their execution, especially when teamed with Mac OS which cheerfully generates the least memorable passwords in the history of mankind if you are not careful about what you click - and then neither of those two apps seem to remember the passwords Safari created. Dashlane won't generate passwords in iOS as far as I can tell although it will - in a different part of the app - in OSX.

 

 

 

Is Lastpass any better?






Kyanar
3214 posts

Uber Geek

Trusted
Subscriber

  #2497625 3-Jun-2020 19:48
Send private message

zespri:

 

This is something I find very puzzling. POLi should not exist the way it is and has been, yet, it's allowed. I'm a technical person, so I know how bad it is, but to convince a non-techie, that POLi is much worse than, say paying via a credit card, or internet banking is very difficult, because it's all the same to them. When POLi first appeared on my radar I was hoping that it would be closed down soon, so apparently it is insecure. Yet it keeps being around a year after year.

 

 

Do you know who owns POLi? The Australian Government. It's a subsidiary of Australia Post. The banks won't do anything to irritate the government after last year's royal commissions.

 

1024kb: Co-operative Bank received a serve from me regarding their account security. My initial complaint was that they limit passwords (stop right there!) to 10 characters, a stupidity which has not changed. The more concerning issue - one that was corrected - had the app refusing special character input when creating a password. It would allow specials as input when confirming an existing password but not when creating. This issue was addressed by the developer.

 

Westpac Australia is worse. Password is six characters (ONLY). Alphanumeric. No special characters. Case insensitive. Default 2FA is SMS, and only on transfers to new payees. Of course if you call them up and claim you roam internationally a lot they'll send you an RSA SecurID token for free.


Kyanar
3214 posts

Uber Geek

Trusted
Subscriber

  #2497626 3-Jun-2020 19:48
Send private message

rugrat:

 

I haven't used it but see some places have EFT POS available as an online payment.

 

To use looks like need banking applic on phone, guessing it gives a code to type into website.

 

Places I've seen it is Skinny top up, and KFC ordering online.

 

With the Skinny one BNZ wasn't on list of banks that support it, but I use mobile top up in bank applic anyway, and the KFC used credit card.

 

Is EFTPOS one safe?

 

 

Yup, that's a Paymark innovation - Online EFTPOS - https://www.paymark.co.nz/products/online-eftpos/.


rugrat
2197 posts

Uber Geek

Lifetime subscriber

  #2497663 3-Jun-2020 20:33
Send private message

Kyanar:

 

rugrat:

 

I haven't used it but see some places have EFT POS available as an online payment.

 

To use looks like need banking applic on phone, guessing it gives a code to type into website.

 

Places I've seen it is Skinny top up, and KFC ordering online.

 

With the Skinny one BNZ wasn't on list of banks that support it, but I use mobile top up in bank applic anyway, and the KFC used credit card.

 

Is EFTPOS one safe?

 

 

Yup, that's a Paymark innovation - Online EFTPOS - https://www.paymark.co.nz/products/online-eftpos/.

 

 

Thanks, hopefully more banks support it in future. Looks like only four at moment, with  two of them being what I recognize as big ones -ASB, Westpac.


Handle9
4752 posts

Uber Geek

Trusted
Lifetime subscriber

  #2497678 3-Jun-2020 20:57
Send private message

chevrolux:

 

So why can't POLi just get vetted and certified for use with the banks? And until that point, the banks block it.

 

Because you are dead right, paying a surcharge just for the "privilege" of using a credit card is bollocks. 

 

Either that, or the banks/card companies pull their heads our of their asses in term of their transaction fees.

 

 

The cynical answer is the banking system doesn't want to disrupt the Visa/Mastercard gravy train.

 

It'd be fairly amusing to see them try and deny fraud claim based on POLi. If they can detect the POLi transactions and do nothing about it they are failing a basic duty of care if they later deny a fraud claim. They'd probably do it, in line with all their standard operating procedure but of charging the most but delivering the least. The publicity would be explosive.

 

 


 
 
 
 


Kyanar
3214 posts

Uber Geek

Trusted
Subscriber

  #2498189 4-Jun-2020 14:30
Send private message

Handle9:

 

The cynical answer is the banking system doesn't want to disrupt the Visa/Mastercard gravy train.

 

It'd be fairly amusing to see them try and deny fraud claim based on POLi. If they can detect the POLi transactions and do nothing about it they are failing a basic duty of care if they later deny a fraud claim. They'd probably do it, in line with all their standard operating procedure but of charging the most but delivering the least. The publicity would be explosive.

 

 

Again, the primarily Australian-owned banks aren't going to upset POLi because of who owns it - Australia Post, and by extension the Australian Government. The same government that instituted a royal commission into the same banks last year in an attempt to not find anything, but accidentally uncovered evidence of rampant irresponsible and in some cases downright illegal behaviour.


michaelmurfy
/dev/null
9633 posts

Uber Geek

Moderator
Trusted
Lifetime subscriber

  #2498285 4-Jun-2020 14:59
Send private message

Guys. This is way off topic. Please start a new thread if you want to continue discussing it.





1 | 2 | 3 
View this topic in a long page with up to 500 replies per page Create new topic





News »

Nanoleaf enhances lighting line with launch of Triangles and Mini Triangles
Posted 17-Oct-2020 20:18


Synology unveils DS16211+
Posted 17-Oct-2020 20:12


Ingram Micro introduces FootfallCam to New Zealand channel
Posted 17-Oct-2020 20:06


Dropbox adopts Virtual First working policy
Posted 17-Oct-2020 19:47


OPPO announces Reno4 Series 5G line-up in NZ
Posted 16-Oct-2020 08:52


Microsoft Highway to a Hundred expands to Asia Pacific
Posted 14-Oct-2020 09:34


Spark turns on 5G in Auckland
Posted 14-Oct-2020 09:29


AMD Launches AMD Ryzen 5000 Series Desktop Processors
Posted 9-Oct-2020 10:13


Teletrac Navman launches integrated multi-camera solution for transport and logistics industry
Posted 8-Oct-2020 10:57


Farmside hits 10,000 RBI customers
Posted 7-Oct-2020 15:32


NordVPN starts deploying colocated servers
Posted 7-Oct-2020 09:00


Google introduces Nest Wifi routers in New Zealand
Posted 7-Oct-2020 05:00


Orcon to bundle Google Nest Wifi router with new accounts
Posted 7-Oct-2020 05:00


Epay and Centrapay partner to create digital gift cards
Posted 2-Oct-2020 17:34


Inseego launches 5G MiFi M2000 mobile hotspot
Posted 2-Oct-2020 14:53









Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.