Caching and Vary headers can be tricky to get right
Yup, when you get it wrong you get to meet interesting people from the compliance department. The "enable cache" button in the load balancers should come with alot of warnings.
Klarna users are being signed in to random accounts
151–160 of 517 posts
Re: Klarna users are being signed in to random accounts
#152Earlier quoted context omitted.
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.
I think it depends on the bank. It's really up to the banks to provide a proper API.
Re: Klarna users are being signed in to random accounts
#153I m sure it s not random but somehow systematic
Reminds me of a colleague implementing "emailRecipients" as a field in a singleton service. The first online order got an order confirmation mail, and when a second online order came s/he also got their confirmation mail (the field just grew and grew...).
One more reason not to make singletons.
Re: Klarna users are being signed in to random accounts
#154Earlier 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?
They are (or at least were, haven't checked in a while) asking for private bank account access details, yeah - https://www.reddit.com/r/germany/comments/bweqaa/is_it_safe_...
Re: Klarna users are being signed in to random accounts
#155Kristel and Sonya seem to have the same due payments
Re: Klarna users are being signed in to random accounts
#156It will be an interesting post mortem if they make it public.
if they make it though alive ...
Re: Klarna users are being signed in to random accounts
#157Totally anecdotal, and probably unrelated, I interviewed for Klarna a few years ago. Mid process, they sent me some sort of timed bizarre IQ test that the recruiter claims EVERYONE who works there has to take. That's when I knew that kind of working culture wasn't for me.
A recruiter contacted me aswell and I asked about their salary. They pay 50k euro for juniors in berlin with afaik no stock vesting.
How they even manage to get qualified personnel is beyond me, I would expect much more for a fintech with over 3B evaluation
Re: Klarna users are being signed in to random accounts
#158Their German counterpart, Sofortüberweisung, didn't properly blacklist test credentials given out by banks e.g. to developers in the beginning, so people could simply use those and pay for goods and services with fake accounts. For me there are so many red flags with all these services, as they basically "steal" your credentials to log into your online banking. And while they claim that they only use the credentials…
Have been using SÜ for years until I learned that they not just facilitate the transfer but abuse their role to dump bank transfer data worth several months. I don't use that service anymore.
Re: Klarna users are being signed in to random accounts
#159Earlier quoted context omitted.
What could a competitively convenient way to do this better look like?
I think PSD2 is supposed to solve these problems with a less insane approach, but the rollout seems to be quit sluggish.
Surprisingly, there are already integrations in my home country; I took a look at tink [1] some time ago (no affiliation whatsoever) and they look legit. I'm sure there are more SaaS like them.
Re: Klarna users are being signed in to random accounts
#160Lots 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…
Here we can just scan a QR code and confirm payment. No extraneous middle men involved.
https://en.wikipedia.org/wiki/Short_Payment_Descriptor
I don't see how credibility of website depends on what payment options they offer. That sounds like a separate issue.