These are important inasmuch as they set out key points, among them most importantly:
TCH runs the RTP network as a utility for the benefit of the industry and RTP fees shall continue to be flat for all participants regardless of size, and shall not include volume discounts or minimum volume requirements.
It does though, contains a super-clause, which is typical of the monopolistic “free market” here in America. In an effort to restrain competition, and limit the ability of smaller financial institutions, the clause reads:
These principles apply so long as the RTP network is the only provider of faster real-time clearing and interbank settlement.
So here we are again, with another great example of limited competition. Who would provide an alternative, well, as listed in a prior post, the big tech companies are not likely to sign-up and get locked into RTP charging. Also, the Federal Reserve is considering a Faster Payments Network.
Sigh, here we go again, more glacial progress and lack of choice. Don’t stop ordering checkbooks anytime soon.
New Zealand’s Privacy Commissioner John Edwards (@jce_pc), was interviewed this morning on NPR by Rachel Martin. Edwards criticized Facebook after last month’s attacks on two mosques in Christchurch were live-streamed on Facebook.
It was a refreshing interview with a politician who doesn’t have all the answers, and knows it’s not his job to come up with them. He is also not beholden to big tech financing, as a New Zealand politician. Equally Edwards was clear where the blame and responsibility lay. The whole interview is well worth listening to, but Edwards rightly pointed out
we have a platform that has displayed shocking lack of responsibility and accountability for the tools that it has enabled
He [Zuckerberg] kinda conflated that [bad actors], with the live streaming of the atrocity in New Zealand, but that person didn’t go to any lengths, there were no systems. If you are going to offer a service that is capable of such deep and profound harm, then it is incumbent on you to ensure it is safe.
In the USA you have product liability, if a manufacturer makes something, a product, which causes harm, they are liable for that. It’s time we started to look to the social media companies for that.
… the lack of responsibility the company has taken. They should be acting now. If they can’t assure us that the streaming service is safe, then it should be taken down.
I was quite disappointed when I heard Mr Zuckerberg equate the atrocities in Christchurch with childrens birthday parties. He said if you put a delay in the system it might have prevented the uploading that video, but that would have broken the experience of people who use it for childrens parties.
I don’t understand the mathematics there, how many childrens parties, Mr Zuckerberg, equals one murder, one live streamed suicide, one sexual assault live streamed? It’s really incumbent on the platform to take responsibility to make the product safe. Until they ca, to take it down.
Bravo sir, bravo. In many aspects of life we have too easily succumbed to technology allowing us to do things which are not necessary, it’s there just because it can be. Facebook isn’t alone in this, and it’s time that we take a step back.
Remember when conference calls had live moderators? When you couldn’t speak until the lines were open? That wasn’t there just so the speaking presenter/executive could just say “next slide please”, it was there to stop unwanted and unruly interruptions. No one is saying one to one video communication should be outlawed, but live streaming needs to be moderated and regulated.
If the live streaming platforms won’t do that, can’t make it profitable, then so be it, ban it.
You can’t broadcast naked bums, boobs and dicks on American broadcast TV, at any time of the day. Yet, we allow facebook, youtube, twitter and other live streaming platforms to broadcast anything to anyone, anytime. This isn’t a free speech issue, I’d prefer grown-up movies to be broadcast unedited on TV, like streaming services. At least in the UK they have the 9pm ‘watershed‘.
It’s hard to see how anything will change here, until we have more politicians like Mr. Edwards.
Among other reasons, Klein points out that people who are unfortunate enough to have their bank account balance at or near zero, deserve better. They need to know how long a check will take to process, how long before the deposit is final, and when they can plan payments for bills based on availability of funds. It’s well worth a listen. You can hear it below, or take the link over to the American Banker.
The ACH itself still describes itself as a using batch processing and a store-and-forward system. And that’s exactly the problem, the store-and-forward part and the regional centers deployed to support it are largely based on the old Pony Express delivery model. The ACH and it’s partners have pivoted since the push by the tech giants, to lauding their fraud and safety. Largely the only reason they can is because of the huge inefficiency and delays built into their system, rather that the inherent security qualities they’ve developed.
While a fast payments network should not be implemented over the public Internet, it’s simply both unbelievable, and unacceptable that my bank cannot not directly send money from my account to your account. This isn’t about Bitcoin and similar nonsense, it does require databases that have the attributes of a Blockchain, but it doesn’t require a Blockchain. This isn’t spin to invest in some imaginary new technology, it is merely a plea to move to a modern switching network, with updated apps.
I don’t transfer money around in Europe or the UK anymore, maybe once a year or so. However, I’ve been able to use the UK Fast Payments network via my UK Bank, FirstDirect, to instantly pay other banks/accounts in the UK, as well as transfer money from UK Pounds Sterling to Euro’s in a German bank in less than 2-hours, all at not cost to me, and using a single system, rather than a secondary system, branded app, or external service. Faster Payments isn’t just a year or two ahead of the US, it’s currently celebrating its 10th Anniversary, and will likely be on its 15th before the US has anything.
That’s mostly why services like PayPal, Stripe, Square, PopMoney exist. To allow the banks and credit unions offer a service they themselves can’t offer. Also, when originally launched it was a way of charging extra for a service that was faster and more flexible than their ACH system offered. Any institution currently charging for these services is charging for lipstick on a big now.
I first came to the USA in 1983 to work on the server-side of worlds first home banking system, Pronto, at Chemical Bank in New York; in 1987, I was hired by IBM UK in their London Banking Branch, to help London banks like Lloyds Bank, NatWest and TSB, as well as Abbey National, prepare their systems to start Year 2000 (Y2K) testing.
Finally, in 1998, was the Chief Architect for IBM in their NatWest (Business) Online implementation. The first at-scale version of Internet banking at National Westminster Bank, after failed projects by Sun Microsystems and Microsoft.
I have some idea of the complexity of updating and integrating batch, hub and spoke systems, it’s no cheap or easy. While it’s easy to assert the banks don’t want to change because as everyone believes, “they are making money out of the delays”. They are really not, in any meaningful way. What they are doing is simply avoiding making key investments and dressing it up under the guise of safety and security. Now they are blaming the “lack of a mandate“.
as everyone believes, “they are making money out of the delays”
And that’s what is likely to be their undoing. They’ll continue to push back and resist, until so much of their business has shifted to non-core systems. While the likes of Amazon and Google have to be in the ACH, and have Fed backing and security, they can increasingly provide a home run around the traditional banks.
Subtitle: How we get nice things and then they make them too expensive.
Recently contractors for Comcast/Xfinity have been all over Louisville drilling holes along the utility easement to lay conduit for fiber optic cabling for Internet and cable. The city has a brief here on the project which is supposed to be complete by the end of October 2018. Bad news if you are a customer in the service area, the city release says:
Comcast customers will experience an outage from 30 minutes to 6 hours with the typical outage being 2 ½ hours. Any outages for this kind of scheduled work is typically done between 7:00 AM and 4:00 PM.
Once the conduit/piping was laid at my house along the outside of back fence, things went quiet. Then today there were literally 15 trucks outside and across the street while they had a team meeting.
If you are stuck with little more than dial-up modem Internet speed, either because of cost, or because a faster service is not available to you, no doubt you’d think this is great. I already have CenturyLink 1Gbps fiber service, and this will likely be very good in the short term as competition drives down prices.
In the long term, this isn’t good news. The only winners will be Comcast.
They are playing the very long game. Initially lower prices until they either capture the CenturyLink market, or price them out of business and then prices will creep up every year as the bundle more and more services and offerings.
So while #cordcutting maybe a thing for now, they are betting that they’ll get the money back plus some since buy then they own enough content distribution, production and likely networking, we’ll be back to no choice. @TabloTV@CordCutters
I don’t know enough about the European Union General Data Protection Regulation (GDPR) but at least on basic reading it seems inadequate in meaningful individual action requirements and legislation that benefits the actual user/person whose information has been exposed.
I’ve been signed up for haveibeenpwned an excellent website by Troy Hunt. You enter your email, and it tells you what breaches your personal information has been found in.
I was going to say “if any”. But of course your data will be there, especially after breaches like the River City Media (RCM) “spammer gate” where 1.4 billion peoples’ email accounts, full names, IP addresses, and often physical address, were exposed. Suffice to say, my two primary email addresses have been exposed in more than 20-breaches.
haveibeenpwned was a great start. CapitalOne, at least among my financial providers, has stepped up the game significantly. Their creditwise arm has incorporated Credit & Identity Alerts in to the app and website. Numerous times recently I’ve received alerts, and while initially the alerts didn’t contain enough information to take action, the most recent alerts have had all the detail I needed.
Among the websites my data has been exposed this year include:
The same is true for more sites than not. No notification. When you login to the site to at the very least, change your password to a new unique one, they more often than not also give you no indication. For many of them it’s also nearly impossible to find out how to delete your account. In the case of ticketfly, I submitted a trouble ticket asking how to delete my account but retain tickets for future events, so far nothing but a generic ‘we’ll get back to you’ response.
It’s time for legislation about what websites/businesses are required to do when they find a data breach. They must be held accountable, and not just through financial penalties that mostly just go into government coffers.
I’d like to see at a minimum:
Mandatory requirement to notify by email, and if the business has a real mail address, by mail.
A default opt-out and deletion period. At discovery, if data breached includes significant personal and/or financial data, the account must be deactivated. After notification, if the business has not heard from the user whose data is breached within 14-days, and the account is not already deactivated, it should be deactivated.
Recovery of a deactivated account should NOT depend on any data exposed in the breach.
When the user whose data is breached logs-in to their account following notification or during account recovery, they must be presented with clear information on what data was exposed. Two, they must be given a simple option at this point to permanently delete their account.
If the user opts to delete their account, any consequences of the deletion must be made obvious at that time. For example, in the case of ticketfly, where I’ve already paid for tickets to future events, those tickets must still be available to me, even after my account is deleted.
In the era of “big data” and “everything online” the only way these businesses/websites will really put privacy and security first is not fines. It’s the actual loss of the customer/user and their data. These companies are often over valued, and paying government fines is just moving magic money from one bucket to another. It has a short term impact on their profitability, their quarterly results, not much else.
As Facebook scramble to try to head off prohibitive legislation in the UK, Europe and the USA, it’s trying to reinvent it’s history and mission. I’m no Facebook historian, developer, professional watcher but it’s worth remembering some of it’s actual history, bugs, screw-ups and the often terrible defaults it implemented with new features.
I’d long imagined that Mark Zuckerberg was the embodiment of Zeke Hawkins character in the 1993 movie, Sliver. One of the things Hawkins said in the movies about his surveillance was the Google-esq:
We’ll do only good things.
All of the recent disclosures about access to Facebook data isn’t about hacking or other malicious activity, it is about poor design decisions; defaults in privacy that were good for Facebook but not for the user; and ultimately necessary for Facebook’s’ business model. They were not, as Facebook and Zuckerberg oft refer to them as data breaches.
As the voiceover says at the end of the Sliver trailer:
The view from the outside is nothing…. compared to the view…. inside.
My history with Facebook goes back to when it was “thefacebook”. I’d been a regular speaker and panelist at the Silicon Valley World Internet Center between 1998 and 2003 when I gave my last session on Open Source. The center was housed at Stanford University. Over my time there, I made contacts with many professional and personal contacts.
I started using livejournal as an emerging platform for “blogging” and tracking news for my then key triathlon interests in January 2004. That April, through one of the contacts I’d made at the World Internet Center, I was offered a userid to take a look at “thefacebook”. I didn’t spend much time on it, it was fascile, juvenille and voyeristic. I wasn’t surprised to hear that in 2003, the Harvard University administration had charged Zuckerberg with breach of security, violating copyrights, and violating individual privacy.
That set the path that Facebook has followed since then, their design decisions, their defaults, everything has been aimed at making your information publicly available, searchable and collectable. As I texted a few days ago, none of this need happened if Facebook actually cared about privacy. Each and every time they implemented a new feature, they did so by setting the user privacy to the least private allowed.
Great work, completely agree except the last paragraph opt-out. Want the feature? You need to opt-in. This is Facebook problem. Everytime they [Facebook] change something, they take the best default for them not the user, not privacy.
While Facebook claimed they were not selling data, which was probably legally true, but they were always selling access to the data. If privacy was really central to Facebooks management of data, then they would have made the defaults very different than they did.
All those infuriating apps and quizzes that your “friends” were playing Farmville, Candy Crush, etc. let alone the apps that wanted to know actual personal information, like where you’d travelled to etc. For a while in 2007 there was even a class at Stanford known as the “Facebook class” where students, many of whom went on to make hundreds of thousands of US Dollars, were instructed on how to make Facebook apps.
Lover of the Day was installed nearly a million times. If every user that installed it had at least one hundred “friends” on Facebook, that meant through a single app, four hundred million facebook users data could have been exposed and scraped. Even if “Lover of the Day” hadn’t overtly exploited this, it was totally naive rather than malicious.
By the end of 2010, there were hundreds of website scams that were, as far as I can see, just there to harvest your data, and that of your friends. There were numerous websites set up to track these, of which Facecrooks, was and still is one of the best.
When I got my Facebook data, before #DELETEFACEBOOK, I spent an hour searching through the data and my timeline to find interesting posts, pleas that I’d made to my friends about the lax controls, bad defaults and bad app choices they were making.In 2010 alone, I posted the following on my wall.
January 10th: “Well get used to it, the Facebook founder says your privacy is a relic of the past, everything should be public!”
March 2010: “So, not paying attention to the FB Privacy issue? Well last night the dumb ass’s made a change which made everyone’s email address public for about 30-mins even if you said not to or your settings… “
May 2010: “So yesterday Facebook blew their privacy yet again revealing private friend to friend conversations, allowing one friend to see outstanding friend requests of other friends…”
By 2011, music streaming startup, Spotify, was known to be aggressively using and promoting their business through facebook by exploiting the weak/lax Facebook privacy. If anything, the US Government Federal Trade Commision hearings lead to facebook changes that were in marketing speak “more transparent” but reality, more opaque. They made it easier to stop sharing, but harder to know what was being shared.
In 2015, the scraping of user data was still rampant, I found a number of examples of warnings, mostly in so called “Big company” giveaways.
March 2015: Friends don’t invite friends invite to the SW Airlines ticket give away. It’s scam, they are harvesting Facebook id’s, friends lists and email addresses and who knows what else!
It was followed by a long bullet list of ways you could tell if the giveaway was a scam. My post ended in
If don’t doesn’t have at least two of those it’s a scam… It’s not harmless, it’s like showing up at an orgy and not using a condom.
When Zuckerberg and Facebook try to rewrite history claiming these were a breach of trust, or they didn’t sell data, or they acted as soon as they were notified, I don’t know what the hell they are talking about. They knew, they just didn’t care until the politicians got hurt, and now the optics look really bad.
After this weeks hugely disappointing repeal of the net neutrality. The ACLU has their take on the repeal, here.
I’m more concerned though with the claim that up to 2-million comments supporting the repeal were submitted to the FCC using fraudulent identities. I actually don’t don’t think it would have made any difference given what we know about the commission members who voted in favor of repeal.
Still, I wanted to be sure my comment was actually the comment I submitted, and no one else had submitted a comment using my identity. You can check here. Simply add your name to the form and click search. You’ll have to go through the comments submitted by people with the same name to check your comment is there, or that a comment was submitted on your behalf. Make sure to check all the people with your name, lots of comments seem to have been submitted using older addresses.
If you find a comment submitted that claims to be from you, that you did not authorise someone else to submit, or did not submit your self, please do 2-things
Complete the remainder of the form to lodge a complaint
Write, preferably a paper letter, to you States Attorney General.
A number of US States Attorney Generals are suing the Federal government over this issue. However, many have not joined that effort, including mine, Colorado.
Here is my comment, as submitted.
US Broadband and cable Internet access is already one of the most expensive in the developed world. It is also fragmented and suffers from overcharging for access to services. This proposal will only allow this to get worse, and potentially hamper both the development of small business services, and the use and consumption of both those and existing services. This must NOT be allowed to proceed. I write as a former IBM Distinguished Engineer and Member of the IBM Academy of Technology, and more recently, a Senior Distinguished Engineer and Executive Director at Dell Inc.
And finally the Presidents Tweet. Because I assume #NetNeutrality is too complex for him to understand, he assumes it’s too complicated for everyone else. Note the #NetNeutality auto-correct/mistype in the Presidents tweet. Explain it? He can’t even type it.
I would pay good money to see all those people complaining about Obama’s FCC chairman voting to repeal #NetNeutality actually explain it in detail. I’d also bet most hadn’t heard of it before this week. #outrage
ZDNet has a good summary of a few recent reports on automation, a subject I’ve covered here more than once.
The more interesting survey report is from a Harris Poll for ZipRecruiter, an online employment marketplace.
ZipRecruiter’s nationwide data shows 60% of job seekers believe fears around robots taking away jobs are overhyped while 2 in 5 employed job seekers (41%) believe their current job will be automated within their lifetime.
This is more than likely because workers asked, don’t see the big picture. They don’t get involved with decisions and discussions about how to cut cost and risk from their workflow.
I’m not saying that we’ll wake up one day and everything will be taken over by robots, that’s not the case at all. It’s worse than that, automation is insidious and for the most part, invisible.
4 in 5 job seekers agree that the current technology boom has left certain people (84%) and cities (78%) behind.
Half of job seekers (50%) say the introduction of the Internet has generally done more harm than good. Employed job seekers are more likely to agree with this sentiment than unemployed job seekers (53% employed vs. 40% unemployed).
2 in 5 job seekers (44%) believe there is no such thing as a bad technological advancement.
What this ignores, for the 50% that thinks the Internet is good, is that without it, and the automation and communication it has enabled, the workplace would be very different today. And that is one way the creep of insidious automation has been taking over.
Pages – Do you use pages except the main page for anything interesting? I have my about page, but it’s static and doesn’t change. Other dynamic pages??
If yes, can you post a link to your blog below. I’m looking for some examples. Why?
I think I’ve mentioned before, I’ve become more and more concerned about posting on facebook, and being part of a massive data collection and analysis machine. So I’m looking for ways to post the same sort of content I would post on Facebook, here. The main problem is I don’t want to clutter my blog post page with daily links, youtube videos, soundcloud and mixcloud audio etc.
It did think about adding an additional page, and adding an RSS feed to the page to pull saved links from paper.ly, instapaper, shareaholic, pinterest and so on, I’ve got a basic page going here, but there is no obvious way to control the RSS update frequency. I can’t add plugins to my site as it is hosted on wordpress.com. While it is a premium site, no plugins can be added.
I can subscribe via the sidebar to an RSS feed, but thats not really desirable, unless anyone knows how to increase(significanty) the size of the sidebar in the twentysixteen theme. So, what I’m looking for is examples, got one?
Post a comment below. I’ll add your blog to my blogroll, and if there are any really good examples and you are willing to share “how-to’s” via email or similar, I’d be willing to make a paypal or amazon gift card payment.