UK banking apps showing customers other users' transactions
1–10 of 13 posts
Re: UK banking apps showing customers other users' transactions
#2Not to jump to conclusions but I wonder if this is in any way related to outsourcing/AI replacing traditional experienced UK tech workers. Never seen anything like this happen before.
Re: UK banking apps showing customers other users' transactions
#3Not to jump to conclusions but I wonder if this is in any way related to outsourcing/AI replacing traditional experienced UK tech workers. Never seen anything like this happen before.
Really weird, you'd think all API calls are tied to the user ID.
Unless some hard-coded debugging ids crept out to prod. But again, code reviews? integration test?
Re: UK banking apps showing customers other users' transactions
#4Not to jump to conclusions but I wonder if this is in any way related to outsourcing/AI replacing traditional experienced UK tech workers. Never seen anything like this happen before.
Really weird, you'd think all API calls are tied to the user ID. Unless some hard-coded debugging ids crept out to prod. But again, code reviews? integration test?
Yes, hope they publish a post mortem of the cause, will be interesting to see how this could have happened.
Re: UK banking apps showing customers other users' transactions
#5Not to jump to conclusions but I wonder if this is in any way related to outsourcing/AI replacing traditional experienced UK tech workers. Never seen anything like this happen before.
Really weird, you'd think all API calls are tied to the user ID. Unless some hard-coded debugging ids crept out to prod. But again, code reviews? integration test?
Recently Lloyds Banking Group has upgraded their apps so that you can see details from all your accounts with them in every app (some functionality still needs the right brands app though).
There's obviously some magic to glue different accounts together without user input, so I can see my Scottish Widows pension and Halifax credit card balances in my Lloyds Bank app[1], even though I have separate logins for each brand's website and app. Possibly my National Insurance number and address I'd guess? But I can see it going badly wrong if they get the magic merging wrong...
[1] Clearly I need to open a Bank of Scotland account to get the full set.
Re: UK banking apps showing customers other users' transactions
#6Earlier quoted context omitted.
Really weird, you'd think all API calls are tied to the user ID. Unless some hard-coded debugging ids crept out to prod. But again, code reviews? integration test?
Recently Lloyds Banking Group has upgraded their apps so that you can see details from all your accounts with them in every app (some functionality still needs the right brands app though). There's obviously some magic to glue different accounts together without user input, so I can see my Scottish Widows pension and Halifax credit card balances in my Lloyds Bank app[1], even though I have separate logins for each br…
This is probably in response to the new App first banks like Monzo/Starling (I use Monzo) Where you can open an account, see savings, current account, business account, CC etc all in one.
My daughter opened an account using the app only (Scan passport, video clip to authenticate) got the card the next day and setup up savings, investing ISA's with a few clicks. Again incumbents not willing to innovate until someone disrupts, but probably too late.
Re: UK banking apps showing customers other users' transactions
#7Not to jump to conclusions but I wonder if this is in any way related to outsourcing/AI replacing traditional experienced UK tech workers. Never seen anything like this happen before.
A year ago, they announced that half of their engineers will be in India by 2026:
https://www.ft.com/content/a304cf5a-5d91-4d4d-a41f-16651b59e...
Re: UK banking apps showing customers other users' transactions
#8Not to jump to conclusions but I wonder if this is in any way related to outsourcing/AI replacing traditional experienced UK tech workers. Never seen anything like this happen before.
A year ago, they announced that half of their engineers will be in India by 2026: https://www.ft.com/content/a304cf5a-5d91-4d4d-a41f-16651b59e...
Well at least there Opex will be low enough to handle the outflows of customer as they close their accounts.
Re: UK banking apps showing customers other users' transactions
#9Earlier quoted context omitted.
Really weird, you'd think all API calls are tied to the user ID. Unless some hard-coded debugging ids crept out to prod. But again, code reviews? integration test?
Recently Lloyds Banking Group has upgraded their apps so that you can see details from all your accounts with them in every app (some functionality still needs the right brands app though). There's obviously some magic to glue different accounts together without user input, so I can see my Scottish Widows pension and Halifax credit card balances in my Lloyds Bank app[1], even though I have separate logins for each br…
Technically, not much magic, apart from Mortgage and Pension, OpenBanking is quite solid in the UK, and you can connect any bank account from any bank. This is now supported by many banks in the UK. You can connect all other bank accounts directly. There are apps for that, too, for a small fee.
But I suppose you mean connecting these directly based on the national insurance number, rather than relying on user consent to use OpenBanking to see them all together in one place.
Re: UK banking apps showing customers other users' transactions
#10Earlier quoted context omitted.
Recently Lloyds Banking Group has upgraded their apps so that you can see details from all your accounts with them in every app (some functionality still needs the right brands app though). There's obviously some magic to glue different accounts together without user input, so I can see my Scottish Widows pension and Halifax credit card balances in my Lloyds Bank app[1], even though I have separate logins for each br…
Technically, not much magic, apart from Mortgage and Pension, OpenBanking is quite solid in the UK, and you can connect any bank account from any bank. This is now supported by many banks in the UK. You can connect all other bank accounts directly. There are apps for that, too, for a small fee. But I suppose you mean connecting these directly based on the national insurance number, rather than relying on user consent…
Yes, this isn't OpenBanking, I'm sure the Lloyds app could do that at one point to link to my Halifax account (or others), but it was flaky IIRC (and seems to have disappeared from the app?), this is a separate automatic thing.