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Introducing Snapcash

blog.snapchat.com

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Re: Introducing Snapcash

#101

Post by TazeTSchnitzel »

crazypyro wrote: post #61
otterley wrote: post #56

Earlier quoted context omitted.

If you think the age requirement is even remotely effective, you're fooling yourself. I'm not suggesting that it will be frequently misused -- but even one mishap could seriously harm their business. Law enforcement takes child pornography more seriously than just about any other offense, and money on the table makes it even more serious.

Its age requirement + debit card. I think that is a fairly effective blocker. At the very least, it'll almost completely stop any chance of children under 15-16 from joining the program and sending/receiving money. There will always be chances of abuse with any platform that allows sharing. I just don't understand how this announcement is anymore scary than other social media adding into social payments, except for t…

> Its age requirement + debit card. I think that is a fairly effective blocker. At the very least, it'll almost completely stop any chance of children under 15-16 from joining the program and sending/receiving money.

Can under-16s not get debit cards in the US? I know they can get them here in the UK, I got one when I was 14, IIRC.

Re: Introducing Snapcash

#102

Post by MattGrommes »

The first thing people should think of when talking about anything Snapchat does is "How is this going to be used to abuse underage girls?" They've built the company on that so far, no reason to think this won't be used (and tacitly allowed by Snapchat) for the same.

Re: Introducing Snapcash

#103

Post by MrJagil »

nawitus wrote: post #88
MrJagil wrote: post #84

I believe we in Denmark are very lucky to have one of the best banking systems in regards to keeping up with technological development.[1][2] Snapcash seems to be the first app that approaches what we've had for a while now: http://danskebank.dk/en-dk/personal/ways-to-bank/pages/mobil... [1]Except for Japan and all their NFC stuff... [2] http://en.wikipedia.org/wiki/NemID has been WILDLY debated though.

Danske Bank has offers that in Finland too, but I've never heard of anyone actually using it.. While we're talking about Danske Bank, here's a "funny" story about it: After Danske Bank bought out a Finnish bank called Sampo Pankki, they switched their online banking application to use Java. And it didn't work properly on Linux. I actually switched my bank because of that bs.

nemID uses Java as well and it's hell.

Mobile Pay is lovely, though. Even my local Candy Shop accepts it.

Re: Introducing Snapcash

#104

Post by crazypyro »

otterley wrote: post #87
crazypyro wrote: post #62

Earlier quoted context omitted.

Setting up a PayPal account and setting up an age-locked account that requires an associated bank account (in the form of a debit card) appears to be more effort on the SnapChat payments side, at least to me. The only reason for this fear (which really should be associated with any social media micro-payments system) being touted here is because of the reputation of SnapChat as an app for sending nude pictures. The s…

> The same exact concerns exist in other places and have been dealt with by a large number of companies at this point Can you identify a similar set of circumstances where this has been successful for more than a brief period?

My point was any company that deals with a large amount of user submitted media will eventually end up having to have an abuse team that monitors user submissions for illegal activity. I don't see how the Snapchat's situation is unique from the problem of identifying illegal material, other than the fact that there is now a monetary way of receiving payment (which has existed and still exists today). In fact, Snapchat could even attempt to claim less liability if the material is never stored on their servers, compared to a file sharing or image hosting site that actually contains the illegal material. In this sense, they would only be liable if they knowingly allowed this trade to take place on their network, similar to an ISP, in my view.

Re: Introducing Snapcash

#105

Post by Systemic33 »

MrJagil wrote: post #103
nawitus wrote: post #88

Earlier quoted context omitted.

Danske Bank has offers that in Finland too, but I've never heard of anyone actually using it.. While we're talking about Danske Bank, here's a "funny" story about it: After Danske Bank bought out a Finnish bank called Sampo Pankki, they switched their online banking application to use Java. And it didn't work properly on Linux. I actually switched my bank because of that bs.

nemID uses Java as well and it's hell. Mobile Pay is lovely, though. Even my local Candy Shop accepts it.

JS coming in the next couple of months. They are rolling it out gradually. (EDIT: NemID, JS-version that is)

Re: Introducing Snapcash

#106

Post by Systemic33 »

MrJagil wrote: post #84

I believe we in Denmark are very lucky to have one of the best banking systems in regards to keeping up with technological development.[1][2] Snapcash seems to be the first app that approaches what we've had for a while now: http://danskebank.dk/en-dk/personal/ways-to-bank/pages/mobil... [1]Except for Japan and all their NFC stuff... [2] http://en.wikipedia.org/wiki/NemID has been WILDLY debated though.

Ye, MobilePay is pretty solid among people in Denmark, and there's even the competitor (competitor is a nice word, considering i've never heard of anyone with it) Swipp.

Re: Introducing Snapcash

#107

Post by mwerd »

MattGrommes wrote: post #102

The first thing people should think of when talking about anything Snapchat does is "How is this going to be used to abuse underage girls?" They've built the company on that so far, no reason to think this won't be used (and tacitly allowed by Snapchat) for the same.

This makes no sense to me. 1) why are you singling out girls? 2) I was under the impression most of the minors sharing lewd photos on snapchat were sharing them with other minors. Sexuality in adolescents is pretty normal and healthy from my own experience and what I've read. The medium is fresh but afaik the behavior isn't. Therefore, I think "abuse" is hardly the appropriate word.

If you're insinuating that predators are using this software and snapchat is somehow protecting them, they've been pretty clear about cooperating with law enforcement in the past: http://blog.snapchat.com/post/64036804085/who-can-view-my-sn...

I don't use the app, I think it's silly, but lots of my peers (20somethings) do and have been of age since the app existed. It's not built on abusing underage girls. It's a low friction sharing platform. Blaming the users' behavior/content choices on the platform seems asinine.

Re: Introducing Snapcash

#108

Post by kibibyte »

TazeTSchnitzel wrote: post #101
crazypyro wrote: post #61

Earlier quoted context omitted.

Its age requirement + debit card. I think that is a fairly effective blocker. At the very least, it'll almost completely stop any chance of children under 15-16 from joining the program and sending/receiving money. There will always be chances of abuse with any platform that allows sharing. I just don't understand how this announcement is anymore scary than other social media adding into social payments, except for t…

> Its age requirement + debit card. I think that is a fairly effective blocker. At the very least, it'll almost completely stop any chance of children under 15-16 from joining the program and sending/receiving money. Can under-16s not get debit cards in the US? I know they can get them here in the UK, I got one when I was 14, IIRC.

An anecdote: at least when I was growing up, I didn't notice anyone under 18 with a debit card; most people used cash for purchases or borrowed credit cards from their parents when they wanted to go shopping on the weekend.

That said, I don't know if there are regulations here in the US concerning debit card age requirements, but from a cursory glance of a few US banks, it looks like children under 18 are allowed to get a checking account (and hence, a debit card) provided that they get a joint account with their parents. Perhaps the policy is different for teenagers who wish to separate finances from their parents for whatever reasons, but those are edge cases.

Re: Introducing Snapcash

#109

Post by evilduck »

thatmatt wrote: post #99
serve_yay wrote: post #71

Earlier quoted context omitted.

They also aren't currently sending each other money. I hate to be a naysayer to what I think is a pretty cool product, but Snapchat's terrible security reputation is well-deserved. But also this isn't very much differentiated from sending money with Gmail, Square, etc.

I think the point is that they ARE sending eachother money, just in less efficient ways. Looking at how people use snapchat it isn't as much about ephemeral as it is about speed. It's much easier to send a picture to someone in snapchat as the flow is better, and it doesn't leave a stupid photo on your phone (and on several cloud backups) that you didn;t want to stick around forever (e.g. check out this awesome car,…

> and it doesn't leave a stupid photo on your phone (and on several cloud backups) that you didn;t want to stick around forever (e.g. check out this awesome car, you don't need a copy of that)

You should probably research Snapchat's history and behaviors.

Re: Introducing Snapcash

#110

Post by TazeTSchnitzel »

kibibyte wrote: post #108
TazeTSchnitzel wrote: post #101

Earlier quoted context omitted.

> Its age requirement + debit card. I think that is a fairly effective blocker. At the very least, it'll almost completely stop any chance of children under 15-16 from joining the program and sending/receiving money. Can under-16s not get debit cards in the US? I know they can get them here in the UK, I got one when I was 14, IIRC.

An anecdote: at least when I was growing up, I didn't notice anyone under 18 with a debit card; most people used cash for purchases or borrowed credit cards from their parents when they wanted to go shopping on the weekend. That said, I don't know if there are regulations here in the US concerning debit card age requirements, but from a cursory glance of a few US banks, it looks like children under 18 are allowed to…

Here in the UK I could get a fully independent bank account. I just got meagre interest, no chequebook or direct debit, and no overdraft.
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