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on Gopher (inofficial)
URI Visit Hacker News on the Web
COMMENT PAGE FOR:
URI Banks start using purchase history for targeted ads [video]
flappyeagle wrote 5 hours 39 min ago:
Caveat, you are being paid for this. The points you get back on you
card come from somewhere
You can use privacy dot com or something if this matters to you but it
doesnât matter to most people
noja wrote 9 hours 36 min ago:
We've had this before: a very long time ago the banks tried to do the
same thing, and there was uproar and legislation. If I can find out the
name for it I will post here.
lrvick wrote 8 hours 34 min ago:
Visa, Mastercard, etc power the debit card APIs every bank uses. They
and every internet enabled cash register and middle-man like Square
and Stripe sell all that data already.
The banks were just feeling left out.
If you think privacy is a human right, then help preserve it by using
cash everywhere possible.
reaperman wrote 4 hours 18 min ago:
Getting harder to use cash. Fewer places accept it at all since
COVID, and even some consumer purchases trigger SAR review when I
withdraw the cash. (e.g. buying a whole rig's worth of expensive
computer parts from Microcenter, a car, or even some TV's can all
approach that $8,000 limit where banks consider it close enough to
the $10,000 rule)
lrvick wrote 1 hour 12 min ago:
For the few places that do not accept cash, I purchase prepaid
debit cards with cash. Still deprives vendors and my bank of my
identity-linked buying behavior.
usr1106 wrote 10 hours 25 min ago:
Ironically the video is hosted by the worst targeted advertising
company. So I did not watch it, try to avoid them as much as I can.
lrvick wrote 8 hours 45 min ago:
Use ad-free tracking-free mirrors like
URI [1]: https://yewtu.be
stuaxo wrote 13 hours 10 min ago:
Pretty sure this can't fly under UK data protection law - you can't
just take data that you have for our purpose and use it for something
else.
Nextgrid wrote 13 hours 3 min ago:
If weâre talking about UK data protection law then Facebook canât
fly either and yet itâs still around?
UK is a corporatocracy and is even less interested in enforcing data
protection regulations than the EU (which is itself terrible at it).
blackeyeblitzar wrote 17 hours 11 min ago:
This is unbelievably unethical and should be made illegal, with
retroactive fines. Iâll be writing my city and state attorneys and
legislators about this tonight. Iâll ask that all banks with this
practice have their physical locations closed.
sandspar wrote 13 hours 3 min ago:
Good for you, honestly. As a side note, computer science forums are
one of the few places where you get posts like this. I like hanging
out on HackerNews because I can talk to people like you.
badrabbit wrote 18 hours 24 min ago:
Privacy.com lets you beat this.
sandspar wrote 12 hours 59 min ago:
"Just buy a lock" isn't the solution to people stealing cars. The
onus isn't on innocent people to protect themselves from thieves. The
onus is on the group with a monopoly on force, i.e. the government,
to stop them.
badrabbit wrote 7 hours 36 min ago:
Yes, but until that happens a nice car lock and alarm system would
be great.
lrvick wrote 8 hours 36 min ago:
Except the government is people. Each person has to make their
voice heard or the odds of the government doing anything are zero.
That process tends to take decades so until things change, yeah,
buy locks.
DaSHacka wrote 15 hours 48 min ago:
All you're doing is shifting the burden, there's no guarantee they
won't (or already are) doing something similar
badrabbit wrote 15 hours 17 min ago:
Not looking for a guarantee, selling your info will defeat the
entire purpose of their business, that's good enough for me. And by
law, if they do so, they have to disclose it.
lrvick wrote 8 hours 37 min ago:
-They- may not sell the data but the Visa API services they use
under the hood sure do, so it is a bit moot.
badrabbit wrote 7 hours 37 min ago:
It's not moot because they anonymize the merchant and payment
information prior to that api (mastercard not visa).
lrvick wrote 7 hours 17 min ago:
Timing and location data combined with data from various
"data enrichment" firms make short work of de-anonymizing
this in most cases I am sure.
meowster wrote 18 hours 47 min ago:
And that's why I use cash everywhere I can, even when it's not as
convenient.
effluvium wrote 17 hours 51 min ago:
Yep.
But for me I started using cash when I noticed my local stores were
trying to transition away from cash. They would have one aisle that
would accept cash.
As soon as I noticed the transition away from cash at my daily
stores, I started using cash way more often and I was a prick about
it. For example at a drag race, I couldn't use a card. I'd select
some items I wanted to buy, get into line, then be like oh can I pay
in cash? No? And then leave the item that the register.
Sure cards are convenient, but this world will become so much more
oppressive if we lose the ability to spend with cash.
Buy a $1000 tablet, lol here's 50 $20.
You'll also notice the clerk's attitude change. The money I'm
spending becomes real to them. It's no longer just a number on a
screen. They recognize how long it takes to earn that $20.
sandspar wrote 13 hours 1 min ago:
It's pretty obvious when you meet someone who's never worked
retail.
lrvick wrote 8 hours 41 min ago:
I worked retail for years and I still insist on using cash
everywhere.
What's your point?
Most of the time the card people go to the automated check-outs
and I have to flag down an actual human to pay cash which helps
keep them employed
effluvium wrote 8 hours 54 min ago:
Apparently not because you just got that wrong bucko.
The store that I worked at liked earning money. We didn't turn
customers away because they wanted to pay in cash.
Yeul wrote 8 hours 21 min ago:
Really? There are plenty of digital payment only stores in my
country.
walterbell wrote 7 hours 37 min ago:
Some US cities mandate cash acceptance by law, e.g. San
Francisco, Philadelphia and New York City.
walterbell wrote 14 hours 57 min ago:
There's a store with lots of self-checkout machines and one human
cashier, who is trained to ask "Are you paying with cash?" then
direct you to machines otherwise. Sometimes they look disappointed
when I confirm cash payment. I should ask, "Do you prefer digital
payment?" and follow up with, "If everyone pays digitally, what
will you do?"
PythagoRascal wrote 14 hours 1 min ago:
What does it achieve to be snarky to someone who can do nothing
about it?
effluvium wrote 8 hours 39 min ago:
Brave and strong people with morals will quit working for the
company. Customer service will worsen. People will start taking
their money elsewhere.
Most people want to improve society; however, if every day it
becomes clear to an employee that they are helping an evil
megacorp some employees will try to do something about it.
Example: Inform management how their policy is turning
customers away. That it happens multiple times a day. That
Sherry got a new job because she got tired following
management's evil policies.
In closing they can do something about it. If enough of them
push it up to their leadership, leadership will make changes.
Come on bro you know this.
avery17 wrote 7 hours 44 min ago:
And in the meantime all those brave and strong people will be
homeless just to make a point because they are brave and
strong.
effluvium wrote 6 hours 52 min ago:
Been there done that. In some ways the best time of my
life, and another ways the worst time of my life. However
momentary homelessness does put things into perspective for
a person.
What's important? Having that flashy new car or driving
that junker that I must work on every two months.
Keeping up with the Joneses or living frugally? There's a
big difference between needs and wants.
Making smart financial choices so that I can have a spine
when speaking to my boss? Yes.
Post script: People can get a new job before quitting their
current job...
Post script two: People can also bring issues up to
leadership in a respectful way that doesn't risk
unemployment. If someone's leadership is a tyrannical, it's
probably best to get fired anyhow. Oppression is never a
good feeling; be it from a boss or a government.
walterbell wrote 13 hours 14 min ago:
That lone human cashier can say, "Are you paying with cash? I'm
happy to help you!"
Seen at independent shops, sometimes with a discount for cash
payment.
lrvick wrote 8 hours 39 min ago:
Small businesses I regular almost always give me a discount
for using cash. Even when I make several hundred dollar
purchases they extra appreciate it. They avoid the
visa/stripe fees and I avoid my purchasing data being sold to
advertisers. Everyone wins.
31337Logic wrote 20 hours 23 min ago:
I love this man. Thank you for posting. This is an outright immoral act
and should be illegal.
beretguy wrote 21 hours 23 min ago:
If you got blocked like I did for some reason here is the working
Invidious link
URI [1]: https://vid.puffyan.us/watch?v=VCiXu6S6vEw
aspenmayer wrote 20 hours 47 min ago:
Seems to be buffering more than other videos on same site do on my
end on the original link, but it does eventually load.
DIR <- back to front page