arfrank

6 ms·

1.
Doomscroller.xyz(doomscroller.xyz)
415 points by arfrank 2y ago|125 comments
2.
by arfrank 7y ago
It's linked from here: https://bb.visa.com/legal/privacy-policy-opt-out.html
3.
by arfrank 7y ago
Will leave these here, just one small step to help you regain your privacy: * https://marketingreportoptout.visa.com/OPTOUT/request.do * https://www.mastercard.us/en-us/about-mastercard/what-w
4.
by arfrank 7y ago
Anne gave a talk a few years back that was enjoyable and informative for the NSAs position 5 years ago http://longnow.org/seminars/02014/aug/06/inside-nsa/
5.
by arfrank 8y ago
With details found on Reddit https://m.imgur.com/gallery/PuWx39O
6.
Screen Mammography – Use Artificial Intelligence to Read Your Image(neuralrad.com)
2 points by arfrank 8y ago|0 comments
7.
by arfrank 9y ago
I’d suggest you look at what we built at Final. Getfinal.com We took a hard deep look at a massive stagnant industry (credit cards) and use experience and features as differentiators
8.
by arfrank 9y ago
From about a month ago: https://www.wsj.com/articles/uber-and-lyft-look-to-hail-cred...
9.
RFCC: Request for Credit Cards Final (YC W15)(getfinal.com)
17 points by arfrank 9y ago|0 comments
10.
by arfrank 9y ago
Amazon is 4 in every $10 spent online in the US. They have a scale similar to Costco/WM who only got deals for/to break exclusivity. Amazon pays less than 2%, much less depending on card type. Manages fraud to about 6BPS on trans
11.
LendingClub’s Ousted CEO Renaud Laplanche Is Launching a New Online Lender(fortune.com)
1 points by arfrank 9y ago|0 comments
12.
2017 US Payment Card Landscape(getfinal.com)
9 points by arfrank 9y ago|0 comments
13.
by arfrank 10y ago
It's core to one of the leader's in banking core's new cloud based offerings: https://www.fisglobal.com/Solutions/Banking-and-Wealth/Servi...
14.
by arfrank 10y ago
There are a tons of reasons to keep our signups closed for now. One non-obvious reason to most people is that it costs us money to lend out money to customers. Theres a ton of others we're working on solving in parallel too
15.
by arfrank 10y ago
Email me @ aaron@getfinal.com I'd love to hear more, if you don't mind. We encourage people to use the physical card and just treat it as disposable if it ever gets skimmed/breached/stolen/lost. We made sure it imp
16.
by arfrank 10y ago
Email me at aaron@getfinal.com and we can get you a code to apply :) We're working on broadening our underwriting criteria, but this is a complicated business overseen by an incredible amount of regulation, while also taking risk when
17.
by arfrank 10y ago
Industry standard is about 10 BPS for affinity programs and a bounty for acquiring customers for the bank. No rewards program might make this one higher, maybe 70-110 but none more. A better plan if you wanted to support Linux would be 2% c
18.
by arfrank 10y ago
Thanks will look into it. Some old janky JS we have from what is still our original marketing site at its core. This codebase is separate from all actual customer data/sensitive things, so it could use some JS best practice cleanup cl
19.
by arfrank 10y ago
Both email and phone, but for full transparency we actually prefer email since it keeps a full log of conversations with consumers for both parties to have. Our card has a number on the back of it and a few other in-app spots have our numb
20.
by arfrank 10y ago
We seriously appreciate the thoughtful feedback. Email me, aaron@getfinal.com, if you want to learn/discuss more about why we made some of the decisions we made day one. It really comes down to resources and a team of 12 working agains
21.
by arfrank 10y ago
Yes, many times over, but always looking for holes, and actually that infrastructure is separate from the pieces that are exposed to public web. Traditionally, we do it this way too, these piece of the payments ecosystem are all whitelisted
22.
by arfrank 10y ago
Working on native Android full steam now, but yep started with iPhone for now. Web is full responsive and have a ton of Android users using it and happy w/ experience. But point taken.
23.
by arfrank 10y ago
Fair point, problem is that theres no short answer here. We partners with a bank to get our own BIN ( https://en.wikipedia.org/wiki/Payment_card_number ), that when loaded onto the networks, gets routed to our core infr
24.
by arfrank 10y ago
In all honesty, the juice isn't worth the squeeze. When you put a battery into that form factor battery life is a big issue and keeping in sync with your phone really harms it. Add recharging and you have other tradeoffs, so EMV gets u
25.
by arfrank 10y ago
Email aaron@getfinal.com. And not sure why someone reposted our website, but always happy to discuss the intricacies of human behavior and how it relates to payments.
26.
by arfrank 10y ago
A lot of funny stories about how that piece of consumer software exists in the world today. About 5 different parties involved, some who are 100% competitors (V vs. MC). 16 or so years ago, MC bought a company called Orbiscom that provide
27.
by arfrank 10y ago
We do it from the core infrastructure we run ourselves. Built the full stack to have flexibility and innovate in industry where 90+% of CC transactions still run on mainframes & COBOL
28.
by arfrank 10y ago
All companies start somewhere, and when we look at the rewards games being played it becomes beyond a loss leader (been meaning to write up a blog post explaining issuer side economics on interchange). Deals like this: http://ww
29.
by arfrank 10y ago
Virtual cards are just about 20 years old, we're starting there, but already working on a lot more pieces to what it takes to be a truly digital credit card.
30.
by arfrank 10y ago
Will have team take a look tomorrow and adjust it to the intent is clearer, this reads weirdly. Honestly, don't think the wordplay was intentional, we just went through our second PCI level 1 audit & take cardholder security &

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