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Stripe Identity

stripe.com

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Re: Stripe Identity

#161

Post by jagged-chisel »

IgorPartola wrote: post #115
marvin wrote: post #95

Earlier quoted context omitted.

I'm not familiar with Stripe's situation, but there are non-public markets available for this kind of stock sale. You just can't buy from them unless you're already rich. I'd guess that long-term employees do have an amount of flexibility in that regard.

Can you form a mutual fund/ETF that invests into those kind of companies via the non-public markets and then sell shares publicly for the fund?

Publicly traded organizations can have any kind of private investment. I wonder, though, if there is regulation around how much of the public org’s capital can be put in private stock purchases…

Re: Stripe Identity

#162

Post by anonymouse008 »

ceejayoz wrote: post #151
anonymouse008 wrote: post #143

Earlier quoted context omitted.

Said it in another thread -- SMS's are a tangibly better user experience. You get to say stop in the moment, instead of searching through opaque settings... you can set DND to certain numbers for certain times... The whole ecosystem is there and very few are playing with it.

Any iOS notification permits you to "say stop in the moment" - you just swipe on the notification and select "Manage". The options are pretty well thought-out.

That's actually a whole different user flow -- you leave the notification to enter a separate system of controls with esoteric commands, over just typing what you want to happen..

"Stop" - forever until I want you back

"Stop this week" - self-explanatory

"Not during work hours" - also ^

"Consolidate weekly" - get a digest

"I don't care" - make better suggestions

So many contextual pieces to make better notifications are right there... and though a toggle button appears to be 'easier' the cognitive dissonance is less the conversational environment of SMS.

Re: Stripe Identity

#163

Post by Me1000 »

jtbayly wrote: post #62
patrickmcnamara wrote: post #36

Earlier quoted context omitted.

Proves it for this one use case maybe. I don't even think you can get webapp notifications on iOS.

The fact that Apple has refused to deliver that only proves the point. If they did, many apps wouldn’t be forced to be in the App Store. It’s certainly possible, as iirc, it works on Android for years now.

They have supported it on desktop Safari for years, so it really is just a political decision for them at this point.

Re: Stripe Identity

#164

Post by flixic »

anonymouse008 wrote: post #143
kgraves wrote: post #46

Earlier quoted context omitted.

how are mobile notifications on the web going for iOS?

Said it in another thread -- SMS's are a tangibly better user experience. You get to say stop in the moment, instead of searching through opaque settings... you can set DND to certain numbers for certain times... The whole ecosystem is there and very few are playing with it.

SMS messages are probably 1000x to 100 000x more expensive to send than push notifications.

Re: Stripe Identity

#165

Post by ullevaal »

I'm surprised that they are not providing PAdES signatures here at the same time, do you think this is a direction they will be moving in?

Also surprised they are not leaning more heavily into the existing identity solutions in the countries they are already operating in, like the Netherlands and the Nordics. Maybe hard to differantiate from existing competitors?

Re: Stripe Identity

#166

Post by anonymouse008 »

flixic wrote: post #164
anonymouse008 wrote: post #143

Earlier quoted context omitted.

Said it in another thread -- SMS's are a tangibly better user experience. You get to say stop in the moment, instead of searching through opaque settings... you can set DND to certain numbers for certain times... The whole ecosystem is there and very few are playing with it.

SMS messages are probably 1000x to 100 000x more expensive to send than push notifications.

Sounds like better incentives for customers.

Re: Stripe Identity

#167

Post by tootie »

f38zf5vdt wrote: post #34

Does Stripe intend to make a giant online database of international identity documents? Why should we trust Stripe to secure these? It could be Equifax levels of problematic if there would be a intrusion, but I also can't tell how Stripe plans to use this information.

These databases already exist. Typically the way it works is after you claim an identity, they will look up past addresses, phone numbers or employers then present multiple choice questions asking which one is part of your past. The companies I've seen that do these are not hosting (or claim to not host) any of the data, but rather have hooks to fetch it from financial institutions. I think it's mostly credit bureaus, but could also be banks.

Re: Stripe Identity

#168

Post by flixic »

joshuarubin wrote: post #160

Those are some seriously amazing photos on the example IDs. I'd kill to have anything half as good on mine.

They don't look like photos. My guess is that Stripe's designer re-drawn passport designs.

Re: Stripe Identity

#169

Post by client4 »

It looks like it's missing the user side of the equation. As in a user can validate they-are-who-they-say-they-are *once*, but Stripe is missing an opportunity to allow users to: validate themselves to a website regularly (OTP tied to identity), allow individuals to update their information (address change), allow individuals to revoke authentication, etc. It is a great foundation and there's huge opportunity for growth in this product.

Re: Stripe Identity

#170

Post by gruez »

edwinwee wrote: post #126
gruez wrote: post #99

The landing page contains logos for clubhouse, discord, and shippo, which are presumably companies use the service. Does anyone find those usages to be unnecessarily intrusive? Maybe it's just me, but a chat app or shipping site asking me for a drivers license scan + selfie would make me never want to use the service again. It's appalling how this sort of stuff is getting normalized, eg. google asking for id scans fo…

Chat apps use Identity to verify bots and prevent bad bots from spamming real users. And shipping services use Identity when a user is suspected as a fraudster—to double check before creating fraudulent shipping labels.

> Chat apps use Identity to verify bots and prevent bad bots from spamming real users.

Is bot spam rampant on discord or something? Are less invasive forms of verification (eg. SMS, credit card, or requiring a deposit) not enough? Can it not be solved via technical means? eg. requiring users to opt-in before receiving messages from a bot?

> And shipping services use Identity when a user is suspected as a fraudster—to double check before creating fraudulent shipping labels.

Yet I can buy hundreds of dollars of goods off amazon (or any other e-commerce site) without uploading my ID and giving them a live video feed of my face.

For both of these use cases, I don't doubt that ID verification provides benefit, I just find the privacy tradeoff to be unacceptable. As an analogy, a store can probably cut down on shoplifting if they performed ID checks at the entrance and kept a visitors log, but I think most people would find that unnecessarily intrusive and would refuse to patronize that store.

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