• sab
    114•1 year ago

    I guess it only occasionally makes sense for government web sites and banks. X might have ambitions to become a bank, so in that sense it might make sense.

    So another piece of advice: if twitter ever asks you if you want to start using it for banking, nope the fuck out.

    • @[email protected]English
      60•1 year ago

      You Americans should get to this century and start performing digital strong authentications like the rest of us. Sending picture of your ID to anyone is insane :)

      How we do it here in Finland is that there are digital identity providers which use bank/mobile carrier to identify you. They then use MFA when identifying you. Any service can use these services to do strong authentication for you. And they don’t cost anything for the customer, and is really cheap for the company who wants to identify you. It is also build into the law that you must identify people using these, to avoid identity theft.

          • HeartyBeast
            1•1 year ago

            But how did they authenticate your identity when you opened the account? I’d not trying to be an arse - but at some point it will likely have come back to matching some official photo id against your face.

            • @[email protected]English
              1•1 year ago

              They once identify you from your driver’s license, government id card or passport. After that you for example link your smart phone to you, and you use their app when you identify.

              You can also use mobile carriers, they send a push notification directly to you phone+sim. Not sure what protocol they use here, because it opens up an UI which is plain android, and asks pin.

              Everything relays on chain of trust that since one service has identified you, the next can trust too. Plus there is MFA to verify that you actually made the identification request.

              • HeartyBeast
                2•1 year ago

                The initial argument was ‘sending is to anyone is insane’ but that’s what you do with the bank. Yes it’s only once - but that’s the same as the other systems we are taking about here.

                • @[email protected]English
                  1•1 year ago

                  They don’t accept it remote, only face-to-face. I have done it once, 15 years ago. Face-to-face is actually only way to do it to avoid identity theft.

              • @[email protected]English
                2•1 year ago

                I mean that’s how it’s like here in the States too. Show your paperwork at registration and that’s it.

      • 520
        22•1 year ago

        It’s pretty standard for European banks thanks to Know Your Customer laws.

        • exen904
          5•1 year ago

          If you keep in mind that it’s only done with special certified subcontractors, then yes. I would never give that information directly to a company like X. And yes, also those special companies are more times shady than they should be, but still.

          • 520
            3•1 year ago

            If you keep in mind that it’s only done with special certified subcontractors, then yes.

            Dunno what you’re talking about here but I’ve had to go through something similar every time I’ve opened a new account with a financial service.

            But yeah, I would not trust Twitter/X either. Musk is too much of an emotional child following whatever whim takes his fancy that day.

      • sab
        8•1 year ago

        I know there’s a similar-ish process for accessing Spanish social security services online at least, and I believe it’s the same for some other services as well.

        Then again, Spanish public services are not exactly the gold standard for digitalization.

        • diprount_tomatoEnglish
          7•1 year ago

          Wait are you Spanish too? Those websites look like they’ve been made by a secretary’s cousin that only knew how to copy and paste in the 90s

          • sab
            6•1 year ago

            I just have a few Spanish friends! And from what they’re telling me that’s probably exactly how these websites were made.

      • qazEnglish
        3•1 year ago

        I have the opposite experience but maybe it’s just different in the EU

    • Yoryo
      12•1 year ago

      He’s definitely pushing for Twitter to be the next WeChat.

          • Flying SquidEnglish
            2•1 year ago

            Or maybe because it has an APY of over 4%, which is pretty damn good for a savings account. If Google came up with a +4% APY savings account, I’m sure people would sign up for that in droves too.

            Also, there are Apple, Google/Android, Microsoft and Linux cults. Apple is not unique in that arena.

    • Neato
      3•1 year ago

      The only government function that has ever wanted a “selfie” was for my drivers license and passport. Both of which feature that picture. But I’ve never done either through a site.