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There is no universe where I'm connecting my bank account to some ghetto ass app for a seemingly too good to be true loan.
Me neither, but the banks are probably selling all your data to the same clearinghouses anyways… we need banking secrecy laws like the Swiss used to have, AML be damned
This feels like treating one particularly visible symptom of the problem instead of fixing the actual problem. What Google should do instead is prevent apps from refusing to work or disabling unrelated functionality just because some permissions are denied (e.g., if you deny your banking app permission to access your camera, everything but mobile check deposit should still have to work). They should use a two-pronged…
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Because the type of people who have no choice but to resort to payday lenders are the same type of people who need men with guns to visit their in their house at 2 am in order to pay back their debts.
You are confusing payday lenders (who use the courts and high interest rates to make up for defaults) and loan sharks (who use violence).
https://www.ftc.gov/news-events/topics/consumer-finance/payd...
According to them, “abusive collection practices” and dozens of other illegal things are common in that industry.
To satisfy KYC/AML, providers of financial services on apps thus ask to see photo id and pair this with a photo taken by the app itself.
I'm not fully across the KYC loopholes, but it seems like this would make fulfilling the regulations very difficult or potentially impossible as the required identification options needed to satisfy KYC each include a headshot.
https://www.ecb.europa.eu/paym/groups/pdf/dimcg/ecb.dimcg210...
I never understood why Program permissions is such a big deal on Android and IOS, but not on Desktop Windows/Linux, where any application can to everything .
I'd love permissions for desktop apps too, but it's not as big a deal because on a desktop I have root access and can monitor what applications are doing myself. I can see which files or hardware is being accessed and when. I can see what network traffic is being sent and to where. I have full control over what applications are installed and what they are allowed to do. I can even fully sandbox apps or run them in VM…
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There is no universe where I'm connecting my bank account to some ghetto ass app for a seemingly too good to be true loan.
Me neither, but the banks are probably selling all your data to the same clearinghouses anyways… we need banking secrecy laws like the Swiss used to have, AML be damned
There's a clear middle ground.
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And I love it, but it has two issues: - Apps can refuse to work with that, like Google Photos (it used to work during the beta and it was perfect for me) - Apps still offer their awful photo picker on top of your already-picked photos, so selecting new ones requires a lot of taps. I wish Apple would reign in some of these apps. In-app browsers and custom photo pickers should be banned unless they have demonstrated ad…
It's the same with location data. iOS allows you to restrict apps to only approximate location, but apps like YouTube TV and ESPN require precise data just to do region checking. I wish iOS just wouldn't allow apps to figure out if they're getting precise vs. approximate location.
GrapheneOS’s location services have a similar issue, but 100x worse. There, apps can definitely have lat/long, but not full Google location service, and all sorts of proprietary software ends up with no/wrong location dots on their maps.
Open source apps, and Google maps competitors work well, so I know it isn’t a hardware or radio issue.
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You are confusing payday lenders (who use the courts and high interest rates to make up for defaults) and loan sharks (who use violence).
The FTC begs to differ: https://www.ftc.gov/news-events/topics/consumer-finance/payd... According to them, “abusive collection practices” and dozens of other illegal things are common in that industry.
Unless you assume "abusive collection practices" means threatening physical violence. Because I would assume it meant things such as chronic calling.
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> In a sea of predatory applications, why is lending the only one that gets blocked here? Because lending apps are the only one to engage in egregious behavior, see [1] as an example. The relevant sections are quoted below: > If a user was late to repay, the app had previously indiscriminately texted or called contacts in the user’s phone as part of loan collection efforts. This process began immediately after a loan…
> If a user was late to repay, the app had previously indiscriminately texted or called contacts in the user’s phone as part of loan collection efforts. Didn't LinkedIn do something similar early on? Harvest your contacts and then email everyone trying to get them to join.
Of course, there was no “are you sure?” after accidentally tapping it.
It sent things to mailing lists, non-work acquaintances, businesses I was a customer of, etc, etc.
Didn't google flat out ban pay-day loan businesses from buying ads on Google search? Why would they even let them in the app store.
pay day loan mountain view
are labeled “sponsored” and look sketchy to me.