There’s additional tools for e-commerce transactions like 3DSecure (step up authentication like an OTP) and passive identity verification tools.

The US uses chip and signature, no joke, because the banks didn’t think people could remember another PIN.

This is an EMVCo chip card, and not an American one so it’s chip and pin most likely. Without getting too detailed, the chip generates a one time use code for each transaction, so just having the number wouldn’t help with cloning the card plus you also would need to know the PIN. Although skimmers still exist and physical card theft is a thing, it’s less common especially in markets that use chip and pin.

It’s the computing equivalent of muscle cars

It’s the computing equivalent of muscle cars

The verge does this thing where they republish the same article with different headlines over and over which results in this. They also do these “preview” articles before the actual reviews I’m assuming to “maximize engagement.”

Banks charge higher fees for credit transactions to fuel the loyalty programs (flyer miles, cash back, etc) on those cards. This is why you no longer get any loyalty benefits on debit cards but you still do on credit. The fees don’t cover the risk on credit cards , the interest does.

From the federal reserve directly : https://www.federalreserve.gov/aboutthefed/boardmeetings/frn-reg-ii-20231025.pdf Also, I guess what I meant is, the cap used to be 45 cents, and when it was reduced to 21 cents, there wasn’t some massive reduction in prices of products for consumers. Merchants just pocket that difference.

Check out FedNow. Basically a domestic government run payment system. Still pretty new and growing.

Fwiw debit card transaction are capped around 21 cents per transaction depending on the size of the bank holding the account. You’re right for credit cards though. Also, imho, I’ve never seen merchants pass along these debit card savings to the consumer. With they would though.

Wish I could upvote this twice.

This is cool but what I really want are rollable screen phones like from Earth Final Conflict.

It’s worth “comparison shopping” with search engines. Run some common queries on multiple engines and see which ones fit what you like. Google takes up a lot of the mindshare for sure, but there are absolutely other options that will probably surprise you with how good they are.

Miss that era and wish that there were more options for PCI “premium” sound cards. All of the fancy DACs and audio interfaces are seemingly USB.

Wonder Showzen had some wild segments but was easily one of the most subversive shows on television.

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You can’t have a movie as big as avatar without it appealing to basically everyone, and thus, the “impact” is broad, not deep.

McDonald’s is franchised.

This is why users don’t invest in the google ecosystem. No consistency or follow through.