Can somebody explain the changes in banking to a complete dumbo?

[Brian Gaff]

I tend not to use online banking but I do use Paypal and my visa card on Amazon and some other web sites where the card is registered. After the change can I still carry on as before with no complexity to me, IE I normally buy using my computer, my Iphone is normally muted, as I do not want alerts and other stupidities interrupting my home peace. I would like to here that there will NOT be any need to type in codes on my phone into my pc every time I try to do anything on my pc. Is this going to happen or am I and sundry other poor people going to have to do this extra complication. Surely it would be better to send the code to my email and then I can cut and paste it in? I'm already discovering that my chip and signature card no longer is supported in many shops, yet rnib say it so be. If I had a chip and pin 1. I'd not know when to type it in, and

1. many new terminals are just glass with no tactile way to know what you are typing. It seems to me that in the rush to go modern and have better security they are forgetting we are the customers and we matter. Brian

[spuorgelgoog]

Yes, I have complained about this to Sense (a charity for deaf-blind people).

Their local shop uses such a thing. Of all people who should know better ...

Owain

[Robin]

My dentist offered me such a terminal. When I asked politely about blind et al they produced the rubber (silicon?) overlay with raised "buttons" in the usual layout for the PIN and Braille labels.

[Roger Hayter]

What about those of us with no mobile network signal at home. I think minoirties only matter in the least if inconveniencing them is likely to cost the banks a significant amount of money.

[Swer]

Use wifi calling.

[Brian Gaff]

Well, not in the case I have seen, it seems too much to even find a bit of paper to sign onto in some places, I bet the overlays get lost in the first week, because as we all know everyone can use touch screen phones, just like everyone can use doctors touch screen log your self in terminals and patients in waiting rooms sit with their eyes glued to the monitor waiting for their name to appear with a follow the red line or green line message. I'm afraid that many many people just do not consider people with any other disability than wheels and even that has been a hard fought thing over many years.

I sometimes feel that we will in the end just end up as second class citizens starving away unless we can find sighted help. Brian

[Brian Gaff]

Yes I only get 1 bar in my sitting room here. Seems very odd as I'm on top of a hill with two cell towers within half a mile. Brian

[Brian Gaff]

I cannot get wifi calling to work on virgin. Brian

[Andy Burns]

virgin mobile, or virgin broadband?

The former don't support it, the latter should work providing your mobile phone and network do support it.

[Chris Green]

WiFi calling is only available from some (rather few) providers and you need a recent (usually expensive) mobile. It's an expensive option for anyone who doesn't normally spend a lot on their mobile.

[Chris Green]

?? Virgin Broadband isn't a mobile phone provider. Do you mean use

*another* provider with Virgin Broadband providing the internet connection for the WiFi?

[Andy Burns]

What makes you think that I think it is?

Maybe brian is trying to get e.g. a vodafone mobile to support wifi calling over his virgin broadband ...

[Roger Hayter]

It doesn't work so well with 484kb/s connection. And I don't think it works for SMS anyway.

[The Natural Philosopher]

It certainly works with SMS

I take it you mean 448kbps

It tends to prefer > 1Mbps, true.

However if wifi calling does not work then a brioadband connected femtocell will not, either.

My original point was that buying a phone that could do wifi calling was (certainly for me) a far better solution than buying a femtocell.

That is, if a femtocell will work, its better and cheaper to buy a wifi calling capable phone

[Brian Reay]

I confess that I?m less than convinced the new system, at least as used by my bank, is safer.

If I use their App on a Smart phone, iPad etc, it seems I just need to enter a code (as now) I picked before. No one time SMS messages.

If I use my laptop, there are three things to enter, plus usually a security question now, and sometimes an SMS message for some transactions.

In future, the App won?t change, but there will always be an SMS message to log in from the laptop.

I?m more likely to lose my phone or iPad, which seems the least secure as it only requires one code.

True, the chances of someone guessing it are remote but still higher than guessing three and the security question.

[Roger Hayter]

Yes, though it has been down to 160kbps, and up to 608

I agree. I don't think O2 ever supported femtocells, but they did have an app to do WiFi calling some years back before phones supported it more directly.

[dennis]

You do understand that entering three passwords or two passwords isn't really any more secure than entering one password. I know a lot of people think it is, but it is not. All it is is the equivalent of a longer password and you can break them the same way.

Better security is you have to have something and know something which is say an app on a phone and a password.

Better still is have that something verified by say an SMS so you have code and a password and a physical thing.

Also you need to stop accepting attempts to log in if you think its a brute force attack. Its going to be a long time to even get a four digit PIN if you stick a 24 hour delay in after a few attempts or even stop it until you verify it by phone or online.

My phone is encrypted and pin protected with a lock after three wrong pins and I have to go online to release it or wipe it or track its location from the GPS or set it ringing continuously curtsey of M$.

[dennis]

There is always a receptionist to help in those places. I don't see why you need a machine to help. The machines are there to make more time for the receptionists to help the ones that need it. You may need to ask rather than hoping they can see you are blind though. If you have a doctor that doesn't do that then you need a new doctor.

[dennis]

Three did when I had it, but they have withdrawn the app that worked on every android phone so I can't use it now and I am not buying a new phone to be able to do so. I may as well switch to someone cheaper now, maybe tesco on O2.

[Dave Liquorice]

What about those of us whose phone service provider doesn't offer WiFi calling?