Well, most people use apps and the like to get 'discounts'.
The state, then, doesn't have to obtain any data from the card provider (which would be easier = cheaper), but a 'workaround' may be the automated data provision by supermarket apps etc.
Also, don't forget that most 'memberships' in 'bonus clubs' and the like here in Norway are co…
Well, most people use apps and the like to get 'discounts'.
The state, then, doesn't have to obtain any data from the card provider (which would be easier = cheaper), but a 'workaround' may be the automated data provision by supermarket apps etc.
Also, don't forget that most 'memberships' in 'bonus clubs' and the like here in Norway are connected to one's cell phone number (as is the BankID and the phone-wallet app 'Vipps').
The state has access to people's phone numbers with the phone number connected to the BankID. I wrote about that in detail in an earlier article! Most people, like 99.9% I've seen in Norway pays cashless...Convenience of course!
Btw, 'my' bank recently told me that, in terms of pocket money, kids as young as 7 can get 'their own' debit card (as long as it's connected to either 'their' bank account or their parent's…)
You know, the weirdest part was when we started doing that here in Norway, you end up at ATMs. First time we took out cash, we got an (of course electronic) letter by 'our' bank informing us that we would have 8 fee-free withdrawals per year.
I've lived in 'the US' (NYC) for a stint a couple of years ago, and I know from personal experience that fees for everything are insanely high and common. US$ 3 for any transaction here for this, US$ 15 for receiving a wire transfer there, and the like.
It's very different here: same-day electronic payments are the norm, no transaction fees, etc. Most people seem to be fine with it, I'm perhaps too old to remember the pre-internet days, hence my reluctance to embrace this brave new world…
By the way, paying cash is still the thing to do for vitually anything below a couple of thousands of US$ or Euros.
Re the data (ab-) use: yep, the data is already being sold and resold to third parties, that much is clear. So far, gov'ts were not permitted to acquire them legally (even though I suspect that they already do, mainly via subsidiaries, private contractors, and the like), hence while I do object to these practices, I also think that this gov't-led push, certainly in cahoots with big business and high finance, is a way to 'streamline' these processes and thus cut operating costs.
Well, most people use apps and the like to get 'discounts'.
The state, then, doesn't have to obtain any data from the card provider (which would be easier = cheaper), but a 'workaround' may be the automated data provision by supermarket apps etc.
Also, don't forget that most 'memberships' in 'bonus clubs' and the like here in Norway are connected to one's cell phone number (as is the BankID and the phone-wallet app 'Vipps').
Sadly, no-one (but me and my wife) pays cash…
The state has access to people's phone numbers with the phone number connected to the BankID. I wrote about that in detail in an earlier article! Most people, like 99.9% I've seen in Norway pays cashless...Convenience of course!
I know, since I live in Norway.
Btw, 'my' bank recently told me that, in terms of pocket money, kids as young as 7 can get 'their own' debit card (as long as it's connected to either 'their' bank account or their parent's…)
Whoa!
Same in the USA. You are smart to use cash. I should but it's too late now.
Sadly, even anonymized data provided by companies to data brokers can be re-identified and is being used against us. This data collection needs to stop. https://anonyome.com/2020/12/re-identification-of-anonymous-data-is-scarily-simple/
You know, the weirdest part was when we started doing that here in Norway, you end up at ATMs. First time we took out cash, we got an (of course electronic) letter by 'our' bank informing us that we would have 8 fee-free withdrawals per year.
I've lived in 'the US' (NYC) for a stint a couple of years ago, and I know from personal experience that fees for everything are insanely high and common. US$ 3 for any transaction here for this, US$ 15 for receiving a wire transfer there, and the like.
It's very different here: same-day electronic payments are the norm, no transaction fees, etc. Most people seem to be fine with it, I'm perhaps too old to remember the pre-internet days, hence my reluctance to embrace this brave new world…
By the way, paying cash is still the thing to do for vitually anything below a couple of thousands of US$ or Euros.
Re the data (ab-) use: yep, the data is already being sold and resold to third parties, that much is clear. So far, gov'ts were not permitted to acquire them legally (even though I suspect that they already do, mainly via subsidiaries, private contractors, and the like), hence while I do object to these practices, I also think that this gov't-led push, certainly in cahoots with big business and high finance, is a way to 'streamline' these processes and thus cut operating costs.