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

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 2. 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
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On Wednesday, 31 July 2019 14:56:09 UTC+1, Brian Gaff wrote:

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
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On 31/07/2019 17:13, snipped-for-privacy@gowanhill.com wrote:

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.
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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
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On 01/08/2019 07:42, Brian Gaff wrote:

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.
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Yep.

There wont be.

Yep.

Nope.

Most don’t have emails anymore but do have a mobile.

Because that is much less secure.
But they all support tap and pay now.
And if you use your iphone in the shop, you never have to provide a pin for the higher value transactions, just wave the phone at the terminal. Very easy for a blind person.

What ?

So use the iphone instead of the physical card. Much more secure if you lose the card or have it stolen too and no way for anyone to skim the card either.

That’s not true with the *pay systems. They are vastly more secure, no possibility of any dodgy shop owner stealing your details and vastly more easy to use by those who cant easily supply a pin to the terminal.
Only real downside is that you do need to keep the phone charged but even that’s easy with a powerbank for peanuts.
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The problem is of course that I've tried to set up wallet and apple pay, but failed miserably thus far, if you read my comments in the previous thread on this. Also I have yet to find anyone but big chains doing apple pay around these parts. I'm not so sure about chip and sig being more insecure, as my signature is unique and really should be fine. The problems occur due to lax security of checking. Many of my chip and pin friends have had their accounts accessed due to not being able to see who is watching them put in their pins. Brian
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On 01/08/2019 07:47, Brian Gaff wrote:

The problem is that the bank have already lost their money by the time the signature is checked during clearing and the thief is long gone.
For smaller transactions under thirty pounds contactless is the best option anyway. Very few stores carry the slips for old style signatures and even fewer can find their imprint contraption when asked to use it!
As others have said a smart phone app for higher value payments is your best bet going forward even if you need to obtain help from a sighted assistant to set it up. Don't one of the banks offer digital eagles or some such service to do this sort of thing for their customers?
https://www.barclays.co.uk/digital-confidence/eagles/
No idea if they are any good or not.
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On 01/08/2019 07:47, Brian Gaff wrote:

Do you mean they can't hold one hand over the machine while inputting the numbers? I always do so it doesn't matter who is watching, its not only the blind that can have their PINs spied on if someone can hide a small camera looking at the machine.
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You may well need to get someone to help you set it up. The usual way is to have the iphone scan your physical card to get the numbers off it and you need to be able to see the screen on the iphone to see that its got the physical card in the box on the screen that it scans.
You can in theory put the numbers in manually but its not clear to me how well that works on an iphone with the text entry for the blind.

Don’t recall reading that, what was the subject ?

Anywhere that does tap and pay physical cards will do apple pay even if they don’t say they do apple pay.

The problem is that chip and signature machines don’t actually compare the signature with a stored signature.

The machines can't verify the signature, that’s why that is being scrapped.

That’s the big advantage of the *pay systems, they don’t need a pin so no one can see what pin you enter.

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wrote

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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.
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wrote:

Use wifi calling.

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I cannot get wifi calling to work on virgin. Brian
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Brian Gaff wrote:

virgin mobile, or virgin broadband?
The former don't support it, the latter should work providing your mobile phone and network do support it.
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?? Virgin Broadband isn't a mobile phone provider. Do you mean use *another* provider with Virgin Broadband providing the internet connection for the WiFi?
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Chris Green wrote:

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 ...
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On Thu, 1 Aug 2019 08:29:28 +0100, Chris Green wrote:

Who said it was? It's to provide an internet connection for the WiFi that a phone with the right firmware, with WiFi Calling enabled and permitted by the phone service provder to use as backhaul.
Virgin Mobile, along with most MVNO's, do not support WiFi calling. So it's not going to work no matter who is providing the internet backhaul.
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On 01/08/2019 22:23, Dave Liquorice wrote:

The link I found said it did
Its a fast moving field. Even the mobile operators web pages do not reflect the reality.
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Googling suggests that it doesn’t work with them. https://community.virginmedia.com/t5/Virgin-Mobile/wifi-calling/td-p/3829230

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