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Klarna users are being signed in to random accounts

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141–150 of 517 posts

Re: Klarna users are being signed in to random accounts

#142
post #111

Dupe https://news.ycombinator.com/item?id=27301311

That thread got spam flagged or something and is no longer visible, but has a lot more comments and discussion.

Seems like Klarna are trying to withhold their international rumour before international expansion and IPO.

Re: Klarna users are being signed in to random accounts

#144
post #65

> Hear hear, I used Klarna (not by choice) It was by choice. You weren't born with an account. Not taking personal responsibility for the rise of the ubiquity of these terrible online services (WhatsApp users, I'm looking at you) is a huge part of the problem. Pretending that you didn't opt-in is a lie you've told yourself; you shouldn't propagate that lie to others in society.

In Sweden there is a current cultural view that the only reason someone would not sign up for an account with any kind of banking service is because they are too old to navigate the registration process, in which case all they need is help going through it. Any other explanation for why someone does not have an account at X is perceived as perplexing or straight alien. Non-coffee drinkers will have an easier time culturally then those rejecting getting accounts at sites like klarna and swish.

Re: Klarna users are being signed in to random accounts

#145
post #25

Lots of times when I’ve been buying things in e-shops I’ve been offered to pay using Klarna as a payment broker. But doing so has always been more confusing for me compared to “regular” payments with a credit card anywhere else, and has on overall been a negative experience for me. I really don’t understand why anyone would prefer to use them at all. What am I missing? Can anyone help me understand?

Not sure where you are located, but in Sweden, Klarna at the start (if I remember it correctly) only needed your 'personnummer'(social security number) to process payments. Now I think they manage to track your devices so I only have to enter my postal code, and then I just click purchase, and it's all done. They used to use really weird/dark patterns, to make you forget to pay and then pay huge fees to Klarna. Nowad…

Sounds bad. I like my online payments to have a little friction.

Re: Klarna users are being signed in to random accounts

#146

Earlier quoted context omitted.

What could a competitively convenient way to do this better look like?

https://plaid.com/ does it well.

Don't they effectively do the exact same thing? As far as I know, they use screenscraping for most US banks rather than something OAuth-based.

Re: Klarna users are being signed in to random accounts

#147

Earlier quoted context omitted.

They were also doing short-term loans [ https://www.bbc.com/news/business-56343942 ], which were for a while being pushed quite heavily in some internet community things I'm a part of. Also, I figure they must be paying a lot of money to be the default payment provider on so many services. For me, asking for my bank login details is...ridiculous - it'll be interesting to see if it is still following the same tactics…

> asking for my bank login details is...ridiculous Is there more information on this? Are they doing the same thing Plaid does in the US? That is, literally asking for user credentials to internet banking instead of using the banks' proper APIs?

I don't know about current Klarna, but they took over Sofortüberweisung, which has been doing exactly that since 2004. Avoided them like the plague ever since.

Re: Klarna users are being signed in to random accounts

#149

I find the default Twitter response by the Klarna social media account really annoying. The issue is not a system disturbance. The issue is clearly in the whole implementation of the system itself, code which was written by developers and where something really stupid has been implemented and where security was not taken into account at all because an issue like this could have been prevented at so many layers and ye…

I've seen something like this happen because of a race issue during login. Basically the developer(s) had refactored something and were not aware that a global variable was being captured by a closure used for auth.

This meant that whenever two users signed in at the exact same time, there was a non-negligible chance that they swapped accounts during the flow.

It was actually not that easy to spot in the code. Sometimes what looks really, really stupid on the surface may in fact have a complicated and not-so-stupid explanation, often involving multiple developers and modernizing legacy code.

If it is a race condition, it can be incredibly hard to find during test.

Even if it is a stupid mistake, like e.g. not marking session cookies as secure and private, it does not mean that all of the rest of the code is bonkers.

Re: Klarna users are being signed in to random accounts

#150
post #144
post #65

> Hear hear, I used Klarna (not by choice) It was by choice. You weren't born with an account. Not taking personal responsibility for the rise of the ubiquity of these terrible online services (WhatsApp users, I'm looking at you) is a huge part of the problem. Pretending that you didn't opt-in is a lie you've told yourself; you shouldn't propagate that lie to others in society.

In Sweden there is a current cultural view that the only reason someone would not sign up for an account with any kind of banking service is because they are too old to navigate the registration process, in which case all they need is help going through it. Any other explanation for why someone does not have an account at X is perceived as perplexing or straight alien. Non-coffee drinkers will have an easier time cul…

Regarding Swish I would agree, regarding Klarna I could not disagree more.
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