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batye
batye
6/5/2016 3:17:48 AM
User Rank
Steel
Re: Multifactor authentication is going to be the future...
@mhhf1ve interesting, in Canada people do switch banks often as new promotion and technology keep changing... regularly... way of life for some people from promotion to promotion...

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mhhf1ve
mhhf1ve
6/4/2016 7:55:10 PM
User Rank
Platinum
Re: Multifactor authentication is going to be the future...
I'll gladly switch banks if you're volunteering to write me a big check. Otherwise, I'm not that inconvenienced by these arbitrary deposit limits. I can understand that some banks don't want to deal with larger liabilities for smartphone apps.

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Joe Stanganelli
Joe Stanganelli
6/4/2016 10:48:42 AM
User Rank
Author
Re: Multifactor authentication is going to be the future...
@mhh: If you're not mistaken, maybe you want to switch banks.  I just gave someone a check well in excess of $1k who deposited it seamlessly from her smartphone.

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mhhf1ve
mhhf1ve
6/3/2016 7:40:33 PM
User Rank
Platinum
Re: Multifactor authentication is going to be the future...
> "Several years back, my bank was still so primitive ...."

Hopefully, you've stopped writing checks...

http://archive.is/20160603192452/http://fusion.net/story/309392/stop-using-paper-checks/

The security of paper checks is... not really great. However, I still write a few every now and then because some vendors charge crazy "convenience fees" or simply don't bother to take any kind of online payment.

I wonder when the US will get rid of paper checks like other modern nations....

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Ariella
Ariella
6/3/2016 10:11:32 AM
User Rank
Steel
Re: Multifactor authentication is going to be the future...
<(Heck, I'm annoyed with some of the human bank tellers when they can't do some tasks correctly.)>

@mhhf1ve Indeed! Several years back, my bank was still so primitive that account balances had to be hand written by the teller. After one of my deposits, I noted the amount the teller had written down and so wrote checks according to that. As it turned out, she had made an error, and those checks bounced, incurring fees for each one. I was very upset because I'm the type of person who always ascertains there is enough in the account to cover any checks I write. I still had the paper with the teller's writing that proved she gave me the wrong amount, but the manager at the bank branch refused to refund the fees, claiming it was my responsibility to know how much was in the account even if the teller gives me the wrong information. (Bear in mind that this was before online banking really became a thing.) So I called the 800 number and got credited it that way. But it was extremely frustrating.

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mhhf1ve
mhhf1ve
6/2/2016 10:14:22 PM
User Rank
Platinum
Re: Multifactor authentication is going to be the future...
> "The Apple Watch speech to text works pretty well, but not great. It's probably about a 7 out of 10 in my view. That could really be a major deficiency in the banking world..."

I can't imagine a worse use-case than speech recognition and banking. A 90% accuracy rate for understanding spoken words when dealing with money? Nuh uh. Not with MY money. I don't care if Siri or Cortana has cutesy responses for asking me to clarify a request... I'm going to be really annoyed if my transaction isn't handled properly. (Heck, I'm annoyed with some of the human bank tellers when they can't do some tasks correctly.)

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mhhf1ve
mhhf1ve
6/2/2016 10:10:40 PM
User Rank
Platinum
Re: Multifactor authentication is going to be the future...
> "I'll have to check over the TOS for mobile banking to check if it include maximum amounts for deposit."

All banks have a max for deposit that requires a human being. Generally, >$10K requires govt notification because for deposits that big, they want to make sure you're paying your fair taxes and not laundering money. But for mobile deposits, it's a good deal lower, I think. I believe my bank's mobile deposit limit is $1,000... (It's just a good idea for banks to limit the liability of moving around large amounts of money.)

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mpouraryan
mpouraryan
6/2/2016 8:57:12 PM
User Rank
Steel
Re: Let's hope synthetic speech doesn't catch up too quickly...
Since we're both movie buffs  @joe, I'll leave you with this admonition from Mr. Spock, "...In life, there are always possibilities...".    

 

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Joe Stanganelli
Joe Stanganelli
6/2/2016 12:35:12 PM
User Rank
Author
Re: Let's hope synthetic speech doesn't catch up too quickly...
@kq4ym: There is a wealth of research indicating that female voices are easier to hear and understand -- which is why most phone prompts and most voice technologies use female voices.

Earlier this year I attended a student-run MIT tech conference where a student accused a company of sexism for defaulting to female voices (even though a male-voice option was available).  But, then, that's none of my business.

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Joe Stanganelli
Joe Stanganelli
6/2/2016 12:33:08 PM
User Rank
Author
Re: Let's hope synthetic speech doesn't catch up too quickly...
@mpouraryan: Not to mention that old James Bond flick where the guy copies the President's iris!

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