Need to stop open banking

RG2015

tempus_fugit wrote: »

That's fine for you but it doesn't mean the rest of us should do without them as well, which seems to be the argument of most Luddites, they manage without it so we should too.

Oh dear. This does appear to have taken on a life of its own. I was just commenting on the statement that a smartphone had improved the poster’s life in many ways.

I am sure it has but that wouldn’t be the case for me. This neither makes me a Luddite nor implies that I want to smash up every smartphone I see.

Although now I come to think about it there are times when that would be quite appealing,

Eco_Miser

meer53 wrote: »

I never said any of those things, but I still don't have a smart phone, still don't have satellite, still never had a holiday abroad - never saw a need for them, but had internet back in the slow dial-up days, and cable since it became available.

It's a pity you haven't learnt to quote properly yet, it makes following conversations harder.

meer53 wrote: »

There isn't a "need" for these things, but why not embrace things that enrich and make your life more pleasant ?

I do, that's why I've had a computer since 1980 and a camera since 1961.
But what does satellite provide that cable doesn't?

meer53 wrote: »

I've been abroad many times to many different countries but i'm disappointed that there are many more that i will never have the pleasure pf visiting.

Good for you. I haven't finished exploring this country yet.

meer53 wrote: »

My smartphone has improved my life in many ways, why would you not want that ?

Your smart phone has improved your life, I don't believe a smart phone would improve my life, especially since I have difficulty reading small screens.

meer53 wrote: »

Nationwide, as a major mortgage lender will be insisting that its borrowing members provide such access as part of their credit scoring procedure.

Open Banking is just a different way of accessing the information they need which is more convenient for the borrower. If you want to continue providing paper documents, you still can, just opt out.

Maybe. Who knows what will have happened in five years time? Anyway my comment was to explain why Nationwide expected 22% of its customers to be using open banking - so NW could look at their bank accounts.

meer53 wrote: »

Do you ever use a calendar, notebook, alarm clock, debit card, camera, bank account, music system ? The list goes on, my smartphone puts all these things in one place, plus it allows me to know where my teenage daughter is

Calendar, notebook, diary - paper version costs me about 70p a year, and I can usually check a date quicker than the people using smart phones.
Camera - I use a real one with a better zoom and resolution than was available on phones when I bought it, and cheaper that most smart phones.
Debit card - yes several real ones.
Bank account - several, all accessed from home. I've never felt any need to access them while commuting or at work (which doesn't apply now any way).
Music system - I had an mp3 player years ago, and decided that music on the go was a distraction from the important things in life, such as birdsong or approaching traffic. If I wanted to use the facility my dumb phone has radio and mp3 player.
Alarm clock - yes, I've got one of those, radio-controlled for accurate timing. My dumb phone also has that function if I need reminders while I'm out.

Teenage daughter - not applicable for me, but it only tells you where her phone is, should they ever get separated.

tempus_fugit wrote: »

That's fine for you but it doesn't mean the rest of us should do without them as well, which seems to be the argument of most Luddites, they manage without it so we should too.

I haven't seen any of these so-called Luddites posting on here, which makes that a strawman argument.

I have seen several people, including myself, express the view that they personally cannot see any advantage to them of using certain items of new technology, despite having been at the leading edge of previous generations of similar technology.

cloud_dog

tempus_fugit wrote:

That's fine for you but it doesn't mean the rest of us should do without them as well, which seems to be the argument of most Luddites, they manage without it so we should too.

Eco_Miser wrote: »

I haven't seen any of these so-called Luddites posting on here, which makes that a strawman argument.

It is the Donald Trump approach to making an argument; if you can't win it, belittle people.

Nick_C

RG2015 wrote: »

So WTH does HMO mean?

I wish I knew!

Does anyone know what HMO means in the context of the original post?

meer53

Eco_Miser wrote: »

It's a pity you haven't learnt to quote properly yet, it makes following conversations harder.
I do, that's why I've had a computer since 1980 and a camera since 1961.
But what does satellite provide that cable doesn't?
Good for you. I haven't finished exploring this country yet.Your smart phone has improved your life, I don't believe a smart phone would improve my life, especially since I have difficulty reading small screens.

Maybe. Who knows what will have happened in five years time? Anyway my comment was to explain why Nationwide expected 22% of its customers to be using open banking - so NW could look at their bank accounts.



Calendar, notebook, diary - paper version costs me about 70p a year, and I can usually check a date quicker than the people using smart phones.
Camera - I use a real one with a better zoom and resolution than was available on phones when I bought it, and cheaper that most smart phones.
Debit card - yes several real ones.
Bank account - several, all accessed from home. I've never felt any need to access them while commuting or at work (which doesn't apply now any way).
Music system - I had an mp3 player years ago, and decided that music on the go was a distraction from the important things in life, such as birdsong or approaching traffic. If I wanted to use the facility my dumb phone has radio and mp3 player.
Alarm clock - yes, I've got one of those, radio-controlled for accurate timing. My dumb phone also has that function if I need reminders while I'm out.

Teenage daughter - not applicable for me, but it only tells you where her phone is, should they ever get separated.


I haven't seen any of these so-called Luddites posting on here, which makes that a strawman argument.

I have seen several people, including myself, express the view that they personally cannot see any advantage to them of using certain items of new technology, despite having been at the leading edge of previous generations of similar technology.

A poster was intrigued as to how my smartphone had improved my life. I explained. That poster replied without making sarcastic comments.

Some of us embrace newfangled things, some don't. You don't, thats your choice.

meer53

Nick_C wrote: »

I wish I knew!

Does anyone know what HMO means in the context of the original post?

There is an HMO Discussion (House of Multiple Occupancy) page on FB, i think the OP must have been looking on there, so it isn't really relevant to the rest of this thread. However, maybe the OP will be back to explain ? Don't hold your breath !

takman

Eco_Miser wrote: »

I have seen several people, including myself, express the view that they personally cannot see any advantage to them of using certain items of new technology, despite having been at the leading edge of previous generations of similar technology.

It's fairly difficult to give good examples to people who don't use things like smartphones of how they would benefit them without knowing the kind of lifestyle that have. But in most cases if someone chose to get something like a smartphone it would benefit them.

But if you cannot see any advantage to having a smartphone then you are less likely to go looking for the benefits so will be unlikely to ever change your mind.

Personally i think the real benefit of a smartphone to me is having everything in one place and almost always to hand. Things like being able to take pictures whenever i want to means i don't miss out because i don't have a camera with me. If i want to put something in my calendar it is always with me and i don't need to check it daily or more because it automatically reminds me when i need to do something/be somewhere. This means i don't need to keep an eye on the time or be concerned about missing something. It's also very useful to be able to check reviews for local restaurants and to find places when your somewhere new. Although i realise none of these would benefit someone who never leaves the house so there are exceptions.

There are then also all the extra things you can do that you don't normally do.

The_MoneySavingKid

This is bizarre, just don’t use the feature. It’s akin to saying ‘need to stop online banking”, fine, simply don’t use it.

Robisere

Once again a thread has degenerated into an exchange of opposing arguments between people taking a position about something that has no bearing whatsoever upon the OP's original point. maybe that's why the OP has left?

RG2015

Robisere wrote: »

Once again a thread has degenerated into an exchange of opposing arguments between people taking a position about something that has no bearing whatsoever upon the OP's original point. maybe that's why the OP has left?

Can't really argue with that but the conversation has been a natural progression albeit a bit adversarial. That may or may not be a bad thing but it is what people do.

As regards the OP, I am sure that they have read the posts and been brought up to speed with the diverse and opposing views on this specifically and the use of new ideas generally. I am sure they will respond in due course.

Your earlier post was particularly informative and remained completely focused and objective.