Banks will be required to introduce SMS payment veriification

badmemory

Not sure what I would do. I have tried various mobile networks - I mostly "borrowed" friend phones. Signal on all is rubbish although best on the one I have now, which is why I bought it (we have a hill!). I have only spent about £3 in calls or mostly texts in the last 18 months, I certainly don't want a contract with that level of spending (this is MSE after all). I have absolutely no need for an all singing all dancing expensive phone. If I am at home I use my landline or internet which is very good (normally 78 download etc) & when I am out I'm too busy to be bothered other than to say whoops I'm running late or to call out the AA. Am I going to be locked out of online banking? Oh and Wifi connection is less than half the norm 78 so why would I use that?

maisie_cat

I have no mobile signal and although I do have WIFI calls an SMS can take days to get to me. HMRC on the other hand call my landline and give me a OTP over the phone, so simple!

mgdavid

telemarks wrote: »

I do love it when people jump to conclusions (scroll up)
For reference I've made a career from mobile, with over a decade experience at a senior level mostly in Nokia. So my knowledge is past, current and also several years into the future. I did have a good chuckle at been accused of been a "technophobe"


PS. Our local Midland branch closed last year

If you didn't realise, one can only comment on the available information - you certainly sound like a technophobe..

If you want to willy-wave I had over 40 years in IT and datacomms, at the working and making-it-work level. I can recall very few senior managers who understood technology at the working level, most were clueless, always the first to call on my techs to configure their latest laptop / mobile phone / satnav / wife's tablet / router, you name it.

If you're not a technophobe then what's all the 'jumping through hoops' about?

I trust the Midland reference was tongue-in-cheek as that name was dropped 20 years ago; if not then you really are living in the past
Anyway you've had some super ideas and how-to's in this thread so over to you - not my problem :rotfl:

pafpcg

mgdavid wrote: »

If you're not a technophobe then what's all the 'jumping through hoops' about?

I doubt it matters one iota whether you, I, or any poster on this forum is a technophobe. The issue is how banks can deliver improved security to the banks' users in the UK who are technophobes. Surely you'll not try to claim that there are so few of them that they can be ignored, for the benefit of the technophiles? Success of projects such as this will be how to manage expectations and deliver solutions which work for everyone.

Uxb

We had all this in the 1970's when ATM cards were introduced.
The whines about how will everyone manage to remember their pin code and the rest.

In a mass market consumer environment the few who cannot/will not or are unable to cope get left behind.

masonic

Uxb wrote: »

We had all this in the 1970's when ATM cards were introduced.
The whines about how will everyone manage to remember their pin code and the rest.

In a mass market consumer environment the few who cannot/will not or are unable to cope get left behind.

ATMs were at least technically innovative when introduced. Banks need to skip over deprecated SMS-based OTP and offer one of the modern solutions to this problem, as some do for online banking.