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From: Zen Dollar Round10/5/2021 7:05:59 PM
   of 212262
Visa Could Take a Bite Out of Apple Pay Fees

Banks are pushing Visa to alter the way it processes some Apple Pay transactions, a change that would reduce the fees Apple receives from those institutions.

According to media accounts on Tuesday (Oct. 5), Visa plans to institute the change next year, although sources told The Wall Street Journal that executives at Apple oppose the change and are in discussions with Visa. If those discussions are fruitful, it’s possible the change won’t happen.

Currently, banks pay a fee to Apple when their cardholders use Apple Pay. If Visa implements the change, those fees wouldn’t apply to recurring payments for things like Netflix subscriptions.

The dispute is part of a larger tension between Big Tech and big banks. Companies such as Apple have been adding consumer payments to their services, with banks readily getting on board with them out of fear of being left behind. But sometimes those deals hit roadblocks, as seen last week when Google scrapped its plans to offer bank accounts to its users.

A company spokesperson said at the time that Google was moving its focus to “delivering digital enablement for banks and other financial services providers rather than us serving as the provider of these services.”

Sources told the WSJ that the tech giant decided to abandon the project due to missed deadlines, as well as the departure in April of a Google Pay exec who had been one of the plan’s biggest boosters.

Apple issued a statement saying that its “banking partners are an important part of Apple Pay’s growth,” and that those partners “continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases.”

This news comes just days after a report that researchers had uncovered a loophole in iPhones, which lets hackers make unauthorized contactless mobile payments by exploiting an Apple Pay feature that’s supposed to help users make quick payments using Visa cards.


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To: Zen Dollar Round who wrote (210932)10/5/2021 7:11:39 PM
From: Zen Dollar Round
   of 212262
Apple iPhone ownership among teens holds near record high: Piper Sandler

A near record share of U.S. teenagers are toting iPhones in their pockets and Apple Watches on their wrists, according to one top Wall Street firm.

Apple ( AAPL) maintained its position as a leading technology brand for U.S. teenagers this fall, with iPhone ownership holding near an all-time high and the Apple Watch leapfrogging to take the top spot among adolescents for the first time ever, based on data from Piper Sandler's fall 2021 "Taking Stock with Teens" survey.

During the Aug. 17 through Sept. 16 survey period, iPhone ownership stood at 87% among U.S. teens, according to Piper Sandler. This rose by one percentage point compared to last year, and came in little changed from spring 2021's record high share of 88%. Meanwhile, 88% of teenagers said their next phone would be an iPhone, also coming in close to a record high of 90% from spring this year.

Piper Sandler's report was based on responses taken from 10,000 teens across 44 U.S. states averaging 15.8 years old.

Apple's device dominance extended beyond smartphones. The Apple Watch became the No. 1 watch brand in Piper Sandler's semi-annual survey for the first time, overtaking Rolex as the preferred brand among upper-income teens.

Thirty percent of teens said they owned an Apple Watch during the survey period, up from 25% a year ago. And the overall share of teens with a smartwatch of any kind also increased to 35% this fall from 30% last year.

Photo by: STRF/STAR MAX/IPx 10/3/21 All iPhone 13 Pro models face up to one month delay in shipments in the United States, Canada and the United Kingdom. Here the iPhone 13 models are seen on display at the Apple store at Grand Central in Manhattan.

The results serve as an upbeat assessment of the technology giant's popularity among young U.S. consumers, especially as the company begins the sales cycle of the latest versions of its iPhone and watches that were unveiled in mid-September.

"We view the elevated penetration and intention [as] important for a maturing premium smartphone market," Piper Sandler managing director Harsh Kumar said in the report. "In addition, these trends are encouraging as the company continues to introduce 5G iPhones, which could provide a significant product cycle refresh."

"We think these positive trends can also be a catalyst for further services growth as well, as the install base for Apple hardware continues to grow," Kumar added.

In the services space, Apple has already carved out a solid teen user base in payments. Apple Pay was the second most-used payments method among U.S. teenagers this fall, according to Piper Sandler, with 35% of teens using the platform compared to 32% in the spring. Overall, cash remained the No. 1 payment method among teenagers at 85%.

"While we are somewhat surprised by the cash penetration among teens, we believe it is a function of 35% of teens surveyed not having a traditional bank account," according to the Piper Sandler report. "We expect as teenagers get older, they will graduate to electronic payments methods such as Apple Pay, PayPal, and others."


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To: Zen Dollar Round who wrote (210935)10/6/2021 3:49:31 PM
From: Doren
   of 212262
> but reworking the software to accommodate the changes would likely have taken months.

In the case of the company I worked for, they didn't have an interface designer, let alone a usability consultant among the 60 or so highly paid coders.

I once complained about a Photoshop interface to the guy who got me the job there, his solution? "Whip out a command line." He he...

That was the attitude of the people who ran the company... guys like the CTO who had two doctorates and was an original Oracle employee. "They'll learn"

Its interesting that Amazon has a really great user interface... its so damn easy to use. Homedepot and Walmart's sites are almost useless. Its no wonder Amazon kills the opposition just like the competitor to the company I worked for won. I almost never order stuff on Walmart's site. HD is getting better but it still sucks. I use "wrench" to search it on google its so bad. I find myself buying more and more tools on Amazon rather than Homedepot just because its so much easier.

Seems to me usability is worth the initial expense in the long run. Its not that expensive or time consuming. The paradigms are well known and scientific. Bezos really gets it in that respect.

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To: greg s who wrote (210940)10/6/2021 3:53:54 PM
From: Doren
2 Recommendations   of 212262
> Steve Jobs was no Bob Noyce. (caution language)

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To: Zen Dollar Round who wrote (210941)10/6/2021 3:54:57 PM
From: Doren
1 Recommendation   of 212262
"Just whip out a command line. You don't need no stinkin' mouse!"

He he...

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To: oldbeachlvr who wrote (210934)10/6/2021 4:07:00 PM
From: Doren
   of 212262
You can buy an older model iPhone on Tracfone (11, XR, XE) and a year's unlimited service on the Verizon network there is $200 last I checked. Same exact network, but the iPhones don't come cheaper there than anywhere else.

ATT is probably the worst company I've ever had to deal with. I'll never use them again. Tracfone has actually been pretty damn good to me.

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To: Zen Dollar Round who wrote (210935)10/6/2021 4:28:54 PM
From: Doren
   of 212262
> Apparently Apple did solicit feedback from professionals for the current Mac Pro, and look how long that took to come to market.

I was just thinking about this... its kind of astounding. Apple has ignored feedback from its users for decades. I've often thought ignoring your customers is ignoring a valuable asset. I almost never buy anything without looking at Amazon or Homedepot feedback. Its always perplexed me that companies ignore feedback or they give you feedback choices that don't apply.

I ALWAYS ask my customers to give me feedback, but they rarely do because over the years I've listened to them and fixed the things I did that they didn't like. I also try to put myself in their shoes.

The MacPro tube is indicative of why I'm glad Ive is gone... of all the people who don't need a fancy looking computer I would have guessed professionals don't care one bit... they want power and rock solid reliability and upgrade abilty (not going to get that last one of course) over everything else would be my guess. Seems to me that should have been a no brainer... and that Ive was a great bullshitter.

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To: Doren who wrote (210947)10/6/2021 5:02:21 PM
From: Zen Dollar Round
2 Recommendations   of 212262
AT&T's insurance company for iPhones truly sucks. They use Asurion and I tried to get a replacement for my mother's scratched iPhone 6S Plus so we could turn the replacement in for an upgrade to an iPhone 13 Pro.

Asurion tries to force everything through their automated systems online, which didn't work when I tried as it couldn't identify her phone. It finally gave us a phone number to call, and after talking with a pleasant but largely clueless worker drone, I was transferred to another number where someone supposedly could fix this issue.

The worker drone ended up screwing up the automated system so that every phone on the account was assigned to the same phone number now, so it's useless.

Got disconnected from the transferred call as it said the claim was invalid, and tried two more times with the same result. An email told us the same thing.

So, my parents have been paying every month for iPhone insurance they can't use with no way to fix it. I told them to cancel the insurance since it's just a waste of money if it's impossible to ever file a claim.

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To: Zen Dollar Round who wrote (210920)10/6/2021 5:39:28 PM
From: Doren
   of 212262
OS security. The results are in. Kind of. If JF can find opposition stats I'd love to see them.

> I find it humorous you think Chromebooks are so much more secure than Macs or PCs.

(I didn't say "so much more" I said more secure than OSX. I think a little more but enough to use to bank online.)

OK I'd like to find real statistics where we'd know a percentage number for compromises/computer but... oh well. Can one trust a google search? I think we can't trust any corporations, they all lie and cheat... however...

Since MY intent to purchase of a Chromebook is mainly to avoid having to upgrade my browser on my older but otherwise perfectly functional Mac...

Economically buying an expensive new Mac and replacing perfectly good software with expensive and inferior software is a main goal. In addition the Chromebook I intend to buy will function as a googlemap on trips and a nice computer to use in bed while watching TV since the screen has touch capability and it works as a pad and "flips" in other words will stand up. It will also function as a better TV using youtube and wifi in hotel rooms rather than their shitty Spectrum TV. Again it stands up AND it has a nice screen. I can buy cheap memory cards or use a standard USB plug so I can carry a USB pen with movies, and TV shows.

In addition the Chrome vulnerabilities like fishing and apps won't be anything I'll fall for. I rarely use any apps, and I'll use only googleplay app downloads.

It just makes too much sense. Way more than an expensive Macbook. Plus I won't have to worry so much about losing it or damaging it... way cheaper at $341 today on Amazon.

I may buy an M1 someday but again economically I'm putting it off as long as possible.

Here are the results of a quick search:


This one seems the most statistical, and since its a non-profit specializing in security the most credible:

SECURITY.ORG: Do Chromebooks Need Antivirus Software?

There’s no question that, when it comes to viruses and other forms of malware, Chromebooks are safe. How safe? Well, the website CVE Details1 lists just 55 vulnerabilities for Chrome OS. Compare that to 1,111 vulnerabilities for Windows 10, and a whopping 2,212 for Mac’s OS X; with five percent as many vulnerabilities as its closest competitor, it’s a pretty simple matter to declare Chromebook the safest option.


DIGITAL TRENDS: OS security showdown

So what’s the best option if security is a prime concern?

I’d have to say Chrome OS. However, the limited functionality and restricted flexibility of the operating system make it a hard sell for anyone who wants something more out of their laptop than a web browser with a couple of add-ons installed can provide.

From a practical perspective, then, OS X is the obvious choice. Apple has proven itself to be one of the best at fighting off the bad guys, yet there’s also a broad range of software available. Not as much as Windows, to be sure, but enough for most users to get their feet wet.


COMPUTER WORLD: A Chromebook offers Defensive Computing when traveling

Without question, a Chromebook is safer than Windows, OS X, Linux, iOS or Android. Security is baked into the design.


REDDIT: What makes Chrome OS more secure than macOS? Discussion

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To: Zen Dollar Round who wrote (210949)10/6/2021 5:47:03 PM
From: Doren
3 Recommendations   of 212262
Many of my friends have had horrible experiences with ATT.

I spent months getting my business phone # back from them while they were charging me $80 a month... it started at $50 but I'd call it ATT creep... the charges just keep creeping up. I pay $13 a month now.

I hate them with a passion.

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