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Klarna users are being signed in to random accounts

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Re: Klarna users are being signed in to random accounts

#511

Post by anoncake »

ChuckNorris89 wrote: post #476
rjzzleep wrote: post #463

Earlier quoted context omitted.

The Baltic states have had proper digital authentication for years. Priv/pub key pair on the Xth iteration digital identity card that is checked against your passport physically. The problem isn't that governments don't have proper digital authentication. It's that most countries want to reinvent it every time. The German version is a clusterfuck that they then had to force into existence by mandating it by law and y…

>The German version is a clusterfuck ... These gigantic government IT projects are also a good way to funnel taxpayer money to the right pockets, that's why they're always behind schedule and over budget (just like all government physical infrastructure projects) and if you look closely it's always the same 2-3 companies getting all the contracts.

Bullshit. The German electronic ID card wasn't a huge project and it was developed in-house. By all accounts, it works pretty well if you actually have the opportunity to use it. The problem is that nobody supports it. In part because of federalism: You rarely interact with the federal bureaucracy directly and the states for some reason aren't interested in supporting it.

Re: Klarna users are being signed in to random accounts

#512

Post by ericmay »

weird-eye-issue wrote: post #444
ericmay wrote: post #285

Earlier quoted context omitted.

Right - and the general intelligence thing is funny too because all of these companies want to hire specialists in some area, not generally intelligent people.

You are making assumptions here that are incorrect. I use it when hiring virtual assistants. They don't need a specific skill.

I think you're just trying to justify an unjustifiable test to protect your ego.

First, if you're just hiring assistants from the Philippines they could just have someone else take the test or get around it some other way.

Second, you have no good data to support this hiring practice. You're free to use it, but it's no better than just hiring a random person from your pool of applicants. You might as well screen based on their favorite color too to just make up filtering criteria.

Re: Klarna users are being signed in to random accounts

#513

Post by tappio »

2rsf wrote: post #479
tapland wrote: post #458

Earlier quoted context omitted.

Yeah. Klarna has BankID but it doesn't make them half bastards as they log in to users banks as the user, where they can see all account balances and purchases. That makes them double bastard.

they do what? how is that even possible? even if I never coupled my account to them?

It is called open banking. Banks are 'anti-competitive' so some people managed to lobby in a directive that forces banks to provide apis for companies like Klarna to access their bank accounts. All you have to do is accept tos.

Re: Klarna users are being signed in to random accounts

#514

Post by tappio »

beagle3 wrote: post #507
vesinisa wrote: post #491

Earlier quoted context omitted.

Problem is the invoice itself is real. You have to contest it actively to the debt collector and give at least some evidence as to why the debt is invalid. If you do not actively contest the collection, it will soon end up in court. This is a very routine case for a district judge where they will give a default judgement in favor of the plaintiff. The problem is that the law in Finland is written so that even if the…

This was probably already common fraud in Finland before Klarna if that’s what the law says - but Klarna would be a crazy force multiplier for the fraudsters and no help for the defrauded, so it becomes a much more pressing issue. (No knowledge of the details, just speculation based on the discussion here)

Nordics have really poor laws around this. We have these payday loan companies that work under the same principle. Klarna just found a way to conveniently do the same. It is easier to capture buyers at the counter rather than before the counter. Effectively Klarna is a payday loan company in the Nordics and has nothing to do with easy checkout. In fact, they used to offer kickbacks to merchants, so every time someone chose Klarna invoice they would pay the merchant instead of charging for it, because they get so good profit from the individuals due to poor laws.

Re: Klarna users are being signed in to random accounts

#515

Post by beagle3 »

tappio wrote: post #514
beagle3 wrote: post #507

Earlier quoted context omitted.

This was probably already common fraud in Finland before Klarna if that’s what the law says - but Klarna would be a crazy force multiplier for the fraudsters and no help for the defrauded, so it becomes a much more pressing issue. (No knowledge of the details, just speculation based on the discussion here)

Nordics have really poor laws around this. We have these payday loan companies that work under the same principle. Klarna just found a way to conveniently do the same. It is easier to capture buyers at the counter rather than before the counter. Effectively Klarna is a payday loan company in the Nordics and has nothing to do with easy checkout. In fact, they used to offer kickbacks to merchants, so every time someone…

... and as always, trust works really well, despite the occasional fraud, until someone finds a way to exploit it at industrial scale. And then it fails spectacularly.

Re: Klarna users are being signed in to random accounts

#516

Post by ecmascript »

WildGlade wrote: post #161
ecmascript wrote: post #36

Time to GDPR my account on klarna then.

You can't—at least in Sweden—remove much from Klarna. Your marketing profile is tied in with their accounting system. The law requires them to store accounting data for at least 7 years, with no obligation to actually remove it once that time is up. Since the accounting laws supersede the GDPR: they can hoard data pretty effectively. The Swedish 'Data Protection Authority' tried to launch (yet another) investigation…

Sure but there is probably a lot of meta data that can be removed and it will send a signal to them that this is not ok.

Re: Klarna users are being signed in to random accounts

#517

Post by lillecarl »

vesinisa wrote: post #496
2rsf wrote: post #199

Earlier quoted context omitted.

In Sweden you can ask them to require Mobilt BankID confirmation to every buy, their competitors (like qliro) don't have that yet so Klarna are only half bastards. But they did get a lot of criticism from the Swedish government about the same things you have presented.

Wait, so you have to explicitly ask Klarna to not sell stuff under your payment info to random internet strangers? That's not too good either - I think ordering without BankID should be opt-in rather than opt-out.

I can't remember ever opting in to the Klarna BankID requirement, but when i checked it was enabled on my account.
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