This… Except for contactless payment.
I used graphene for a month. It was lovely. Even things like banking apps worked.
I don’t care about absolute privacy, but I do care about controlling my privacy. Grapheme gave me that.
I had only 1 issue.
Contactless payment.
It’s extremely convenient to me, from public transport to groceries. I just bop my phone.
The fact that Google has that locked down surely violates some EU laws. But I’m sure they wave away the laws because of “financial security” or some other bullshit.
As if bank card NFC/contactless doesn’t suffer exactly the same issues.
I looked into some “graphene contactless payment” type systems or workarounds, and I couldn’t find anything that would fill the gap.
I’m always nervous about fintech companies. Maybe it’s time to get over that and give curve pay a spin.
The cashback seems nice, considering a lot of shops I use are on there.
But contactless via a phone can have no limit.
Adding a debit card to phone case means the upper limit is £100. Which is actually fine, and is the limit I have normally set for phone contactless. But I can instantly remove that limit via my banking app.
And the phone needs to be unlocked to make a payment.
Do if I lose my phone anyone can charge £100 to the debit card.
I hear so many people praise paying with their phones, and there I am, so happy that I can leave my phone at home when shopping. Each to their own I guess.
"The fact that Google has that locked down surely violates some EU laws. But I’m sure they wave away the laws because of “financial security” or some other bullshit. "
I don’t know as much as I’d like to about the regulatory side of this, but I know that Google and other big tech have done a masterful job of proactively building themselves into systems such that taking action against them is difficult.
I think that’s part of why the US antitrust case against Microsoft a few decades ago fizzled out into nothing — even though Microsoft was deemed to have been a monopolist, the big question was how do we remedy that in a way that isn’t going to be harmful? The consensus on this amongst people who I respect is that the results of the Microsoft case was woefully insufficient and something that helped to lay the foundations of the big tech dominance that we see today.
I was hesitating due to this as well, until I realized that my payments are something I want google to have data on least of all. So I got a debit card and turns out it is no inconvenience at all.
It’s not necessarily a solution, but my Garmin watch can still hold some of my cards, so I don’t need the NFC payment on my phone to duplicate that functionality. Do you wear or carry any other devices that can stand-in?
This… Except for contactless payment.
I used graphene for a month. It was lovely. Even things like banking apps worked.
I don’t care about absolute privacy, but I do care about controlling my privacy. Grapheme gave me that.
I had only 1 issue.
Contactless payment.
It’s extremely convenient to me, from public transport to groceries. I just bop my phone.
The fact that Google has that locked down surely violates some EU laws. But I’m sure they wave away the laws because of “financial security” or some other bullshit.
As if bank card NFC/contactless doesn’t suffer exactly the same issues.
I looked into some “graphene contactless payment” type systems or workarounds, and I couldn’t find anything that would fill the gap.
Try Curve Pay. Just learned about it yesterday. I added my credit card and it just works. Couldn’t be happier.
Looks awesome, but unfortunately seems to only be for the UK and EU. I wish the US market would get something similar.
Do you trust them? The Curve sub is full of people complaining about fraudulent transactions. Kinda makes me afraid of unlocking my card lol.
I’m always nervous about fintech companies. Maybe it’s time to get over that and give curve pay a spin.
The cashback seems nice, considering a lot of shops I use are on there.
This may seem like a silly solution but maybe pop your debit card inside your phone case. It should bop through it.
Yup, true.
But contactless via a phone can have no limit.
Adding a debit card to phone case means the upper limit is £100. Which is actually fine, and is the limit I have normally set for phone contactless. But I can instantly remove that limit via my banking app.
And the phone needs to be unlocked to make a payment.
Do if I lose my phone anyone can charge £100 to the debit card.
Yeah, all fair points. I do love the convenience of using my phone to pay too in fairness.
That is literally the only thing keeping me from installing Graphene on my phone.
I use a smart watch for contact less payments ¯\_(ツ)_/¯
i just use a debit card lol
I hear so many people praise paying with their phones, and there I am, so happy that I can leave my phone at home when shopping. Each to their own I guess.
I don’t know as much as I’d like to about the regulatory side of this, but I know that Google and other big tech have done a masterful job of proactively building themselves into systems such that taking action against them is difficult.
I think that’s part of why the US antitrust case against Microsoft a few decades ago fizzled out into nothing — even though Microsoft was deemed to have been a monopolist, the big question was how do we remedy that in a way that isn’t going to be harmful? The consensus on this amongst people who I respect is that the results of the Microsoft case was woefully insufficient and something that helped to lay the foundations of the big tech dominance that we see today.
I was hesitating due to this as well, until I realized that my payments are something I want google to have data on least of all. So I got a debit card and turns out it is no inconvenience at all.
It’s not necessarily a solution, but my Garmin watch can still hold some of my cards, so I don’t need the NFC payment on my phone to duplicate that functionality. Do you wear or carry any other devices that can stand-in?
No.
I tried a smart watch for a week or so, and hated wearing it.
Hadn’t worn a watch in 20 years, and it felt very strange
Fair enough. I was in that camp for a decade or more myself. I hope you find a solution!