There’s additional tools for e-commerce transactions like 3DSecure (step up authentication like an OTP) and passive identity verification tools.

The US uses chip and signature, no joke, because the banks didn’t think people could remember another PIN.

This is an EMVCo chip card, and not an American one so it’s chip and pin most likely. Without getting too detailed, the chip generates a one time use code for each transaction, so just having the number wouldn’t help with cloning the card plus you also would need to know the PIN. Although skimmers still exist and physical card theft is a thing, it’s less common especially in markets that use chip and pin.

The m4 ultra is going to really make a case for Apple gaming without compromise, you know, except for the actual games :(

This has been one of the better F1 seasons in recent memory, and also really drives home that the constructors championship is a true team sport. Without a good second driver (cough: Perez) there’s only so much a single great driver can do.

Might be coincidence but really seems like Gunter Steiner was holding the team back.

Nothing to see here. ……get it? Because mirage? I’ll see my way out.

Banks charge higher fees for credit transactions to fuel the loyalty programs (flyer miles, cash back, etc) on those cards. This is why you no longer get any loyalty benefits on debit cards but you still do on credit. The fees don’t cover the risk on credit cards , the interest does.

From the federal reserve directly : https://www.federalreserve.gov/aboutthefed/boardmeetings/frn-reg-ii-20231025.pdf Also, I guess what I meant is, the cap used to be 45 cents, and when it was reduced to 21 cents, there wasn’t some massive reduction in prices of products for consumers. Merchants just pocket that difference.

Check out FedNow. Basically a domestic government run payment system. Still pretty new and growing.

Fwiw debit card transaction are capped around 21 cents per transaction depending on the size of the bank holding the account. You’re right for credit cards though. Also, imho, I’ve never seen merchants pass along these debit card savings to the consumer. With they would though.

Wish I could upvote this twice.

This is cool but what I really want are rollable screen phones like from Earth Final Conflict.

Wonder where all the sponsorship is on the McLaren looks weird having the nose just be solid orange.

It’s worth “comparison shopping” with search engines. Run some common queries on multiple engines and see which ones fit what you like. Google takes up a lot of the mindshare for sure, but there are absolutely other options that will probably surprise you with how good they are.

Not even going to read the article but I’m going to go with “no, no they didn’t earn the price hike.” To me, to “earn” a price hike means new features or better functionality with the current platform, not just spamming me with mediocre content. Give me higher bitrate streaming, lossless audio, better ways to organize my watchlist, better desktop/laptop experience, etc, then MAYBE it’ll be worth paying a bit more to me.

Riccardo having an uncharacteristically good qualifying, p1 in q1 and making it to the top 10. Love to see it.

As a sometimes Pixel user, I was jealous when iPhone 15 had an 80 percent charge limit option.

Russell with the moves on the first lap…only to have the bad strategy of the day and ending up in fourth has got to sting even though realistically he only had a real shot at 3rd. Great action though!

Wonder Showzen had some wild segments but was easily one of the most subversive shows on television.