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Friction is Good: Let's add it to our digital experiences

theregister.com

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Re: Friction is Good: Let's add it to our digital experiences

#41
Traditional banks know this and use context based authentication for sensitive transactions.

Sms based 2fa is a known crummy 2fa. Get TOTP or a hardware token.

I feel the article is trying to sound smart by using lofty words when the answer really is simpler.

Re: Friction is Good: Let's add it to our digital experiences

#42

Earlier quoted context omitted.

Slower != secure. But secure implies slower. Therefore, fast as possible implies not secure.

So theater. You actually do need to present consistently slow evaluation times when handling encrypted values, as failing fast gives out information that can be used for cracking. But other than that, there usually isn't a good reason to do it.

The article specifically mentions why fully unsupervised, no "friction" processes lead to actual, specific problems.

You could slow your stuff down without securing it in response to the article's idea, but that's not what I was referring to in my comment.

Re: Friction is Good: Let's add it to our digital experiences

#43
post #4

It’s not terribly difficult in case of financial transactions. Just separate into queueing and executing, with an auto-timer, notifications (email, push etc) and an option to cancel directly from the notification channel (without requiring 2FA etc to prevent hijacking issues). This could be applied to other things, like updating an auth factor (change email for instance). Just notify the old email and queue the opera…

> in case of financial transactions The friction is already there. Every single goddamn time I want to transfer more than a few thousand dollars between any of my accounts, it turns into a complete shitshow of bouncing transactions, hunting down reasons, navigating bureaucracy that doesn't want to be navigated, sometimes to the point of looping in authorities (!), and generally burning many hours of my life to get th…

Yes, trad banking is a mess. Also, what are considered big transactions? It totally depends on the account.

Wise has a way to set rolling limits on things like online purchases and ATM withdrawals. That’s very neat. I think that if you’re say emptying your entire savings, it’s good to have multiple safeguards (and of course being clear about what happens and why).

Re: Friction is Good: Let's add it to our digital experiences

#44

Earlier quoted context omitted.

Tap-to-pay NFC credit cards Chip and pin or even chip and signature is just too much effort to pay for something

To do this, are they using some kind of modified payment terminal with extended range somehow? My understanding is that the NFC coils have to be very close, like single-digit cm to get any kind of power or data through.

If I remember correctly, yes, they had a modified terminal that picked up cards more than a meter away. But the other comment is overestimating the damage, there is no way they took 'hundreds of thousands', more like thousands in total. Especially since contactless payments usually have a very low transaction limit (something around R$100 in Brazil).
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