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Living without a SIM card

habd.as

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Re: Living without a SIM card

#131

Post by dangus »

chewz wrote: post #129

I envy the OP. Unfortunately since September 2019 living without SIM card became (practically) illegal in EU. > most online payments above €30 to go through an extra level of verification such as entering a code received via a text message. [2] Most banks unwisely chosen SMS as Strong Customer Authentication providing little choice to customers. https://ec.europa.eu/info/law/payment-services-psd-2-directi... [2] http…

Unless you summarize the law we don't know what you mean by "practically illegal."

When you say "practically illegal" I can only assume you mean "not illegal."

Re: Living without a SIM card

#133

Post by chewz »

dangus wrote: post #131
chewz wrote: post #129

I envy the OP. Unfortunately since September 2019 living without SIM card became (practically) illegal in EU. > most online payments above €30 to go through an extra level of verification such as entering a code received via a text message. [2] Most banks unwisely chosen SMS as Strong Customer Authentication providing little choice to customers. https://ec.europa.eu/info/law/payment-services-psd-2-directi... [2] http…

Unless you summarize the law we don't know what you mean by "practically illegal." When you say "practically illegal" I can only assume you mean "not illegal."

I have edited my answer.

Most institutions I know have chosen SMS for Strong Customer Authentication which means sooner or later you in practical life will need your personal SIM card (banking, doctor visit, e-prescription, e-government etc.). Unless you chose to live off the grid for real.

Re: Living without a SIM card

#134

Post by seba_dos1 »

JeanMarcS wrote: post #109
justinclift wrote: post #103

Earlier quoted context omitted.

Or when you (effectively) work night shift, and some #$%#$%# telemarketer decides to call at 9am.

Or a friend forgeting about jetlag ringing you on a sunday morning when you were sleeping happily (just happened to me this morning :-D )

That's easy to fix though - I am putting my phone to do-not-disturb (or even airplane) mode when I go to sleep every day and I honestly don't see any disadvantages of doing that. If somebody calls me when I'm sleeping, I will react when I wake up. I don't think giving the people on the whole world the ability to wake me up whenever they want to is justified in any way.

Re: Living without a SIM card

#135

Post by thefounder »

chewz wrote: post #129

I envy the OP. Unfortunately since September 2019 living without SIM card became (practically) illegal in EU. > most online payments above €30 to go through an extra level of verification such as entering a code received via a text message. [2] Most banks unwisely chosen SMS as Strong Customer Authentication providing little choice to customers. https://ec.europa.eu/info/law/payment-services-psd-2-directi... [2] http…

Don't blame the EU just yet.

1. EU didn't force the banks to use SMS

2. EU is aware of the privacy/security issue of SMS and is planning to actually ban using SMS otp as a form of strong auth

https://www.zdnet.com/article/german-banks-are-moving-away-f...

Re: Living without a SIM card

#138

Post by noirbot »

andrewaylett wrote: post #121
xkemp wrote: post #110

Earlier quoted context omitted.

This thread is insane... How did we go from someone borrowing others' phone on occasion to these ideas of Social Darwinism? At this rate, someone is going to suggest euthanasia within two more comments tops. For most people, lending their phone won't even incur marginal costs considering the trend towards flat rates. If you find yourself being annoyed by such situations, note that these feelings are bound to make you…

I find it hard to take people entirely seriously when in order for them to live their pseudo-ascetic lifestyle, they require other people around who haven't taken that step. The OP is claiming the way he uses his tech gives him a cost saving and encouraging people to follow suit, when if everyone did that then he wouldn't be able to do the things he does any more. So it's not a sustainable lifestyle, because it leech…

Another good example of this sort of behavior - I know someone who doesn't carry any credit cards and prefers to pay cash for everything where possible. This is generally fine, however, since they're responsible enough to be carrying plenty of cash to cover whatever they need.

It would be quite annoying if they constantly only had $5 in their wallet and needed their friends to cover for them with a card whenever we went out. I can respect the position they're taking, but you've chosen to interact with the modern world in ways that are unexpected and more difficult in some ways. In return, I expect you to think through those obstacles and solve them yourself.

If you ask me ahead of time if I can pay for something, or use my phone, that's totally reasonable. Just going through life assuming that it's a thing isn't thoughtful or respectful of my personal limits.

Re: Living without a SIM card

#139

Post by chewz »

thefounder wrote: post #135
chewz wrote: post #129

I envy the OP. Unfortunately since September 2019 living without SIM card became (practically) illegal in EU. > most online payments above €30 to go through an extra level of verification such as entering a code received via a text message. [2] Most banks unwisely chosen SMS as Strong Customer Authentication providing little choice to customers. https://ec.europa.eu/info/law/payment-services-psd-2-directi... [2] http…

Don't blame the EU just yet. 1. EU didn't force the banks to use SMS 2. EU is aware of the privacy/security issue of SMS and is planning to actually ban using SMS otp as a form of strong auth https://www.zdnet.com/article/german-banks-are-moving-away-f...

I wasn't blaming EU (I am not in a habit of bashing EU) and I am not saying this is completely bad law. I am just observing the reality on the ground.

Re: Living without a SIM card

#140

Post by tracnar »

chewz wrote: post #129

I envy the OP. Unfortunately since September 2019 living without SIM card became (practically) illegal in EU. > most online payments above €30 to go through an extra level of verification such as entering a code received via a text message. [2] Most banks unwisely chosen SMS as Strong Customer Authentication providing little choice to customers. https://ec.europa.eu/info/law/payment-services-psd-2-directi... [2] http…

Most banks use their own card reader which you can use to authorize/sign a payment, I never had to use SMS for this.
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