「八達通錢包」算唔算係失敗既產品？

第一點：商業決定，唔關個flow係喺係secure事。

第二點：如果個積分果個module，咁係HSBC佢負責eBanking app同信用卡搞積分plan係兩team人，唔同老細。咁嘅情況底下點出係同一個apps到

第三點：首先app要更新係因為某啲OS version有bug/vulnerabilities or whatever loophole搞到個app會出事，所以一定要更新都好正常；另外支那寶、Alipay、八達通果啲係水攞唔同牌照, 同銀行唔同。監管要求唔同，係apple to orange，冇得比。

第三點

Payme同支那寶，一樣都係同一款牌照。點解支那寶得，Payme唔得？


第二點

所以咪話間公司特登，不是以方便客戶做依歸



第一點

同上，所以你唔好下下賴Hkma點點點，有D銀行根本就係賤格，鍾意搞鳩個客。

呢個係佢地「營運風格」，Ma既新規矩，有時只係畀到一個籍口佢地「賴」同「推波」


重申，只要業界企硬，MA不是乜都可以為所欲為的。

都會用嚟交稅，特登整咗張自動增值八達通，日日套現

唔可以兌換現金
淨係得增值 完全唔想用

張master俾老人家網上購物用幾好

支拿寶就係當初coupon派得夠多引到班廢老去用

泰國prompt pay得佢scan到

嘩！真係好過去搶

聲稱去泰國俾到錢。如果再多啲地區用到，咪由失敗變返成功

佢派完之後有conversion rate
八達通錢包用完優惠就冇人屌

講起哩個就把幾火
本來add to wallet佢send sms嚟就認證完，宜家要自己走去搵銀行客服整，唔方便用家之餘跟本唔知邊到安全咗
雖然contact客服要login個app，咁佢app入面整個self service自己㩒制咪得，點解一定要搵真人客服搞，佢問啲問題跟本唔洗我本人都答到，淨係yes yes yes就搞掂，但係咁就搞咗4日，本來2分鐘搞掂嘅野

嬲到我去搵埋hkma份文件

Specifically, card-issuing AIs are required to conduct additional authentication (on top of the input of correct card data and the one-time password) to confirm that the
cardholders have indeed given the instructions to bind their cards with new payment services. Examples of such authentication measures include:
(a) Obtaining additional confirmation from cardholders before the binding takes effect through 2-way SMS, in-App confirmation, call back or other effective means;
(b) Requiring the cardholders to perform additional authentication (through measures similar to paragraph (a) above) before the first mobile payment transaction is conducted through the newly bound payment services; and
(c) Requiring the cardholders to activate the newly bound payment services after performing a two-factor authentication in the internet or mobile banking
applications of the banks

佢a b c都係例子，啫係淨係做一個都冇問題，咁你做c嘅話，銀行可以經mobile app send notification跟住要比password/指模，咁已經做到2fa(加埋本來就要嘅card number+SMS)，成件事完全可以automate唔洗經人手
宜家係銀行design到個flow咁麻煩又冇特別安全到，唔屌銀行屌邊個
如果hkma自己寫完哩段之後又唔比銀行淨係用2fa就另計啦

係銀行角度，越搞得麻煩等同越做到野，越「安全」


佢地唔會理效率，只會護住自己，話畀人知「做左野架啦」既心態

水費點交？次次scan張水費單上面個qr code都fail

不如你用現金就最安全

屌你老母渣打幾時先開返google pay

以前直接scan就得
依家唔知

算.
其實我真係唔知呢個錢包有乜用, 以前會用黎增值, 開左自動增值之後已經冇用.

反而支付寶而家好多餐廳都support. 八達通錢包仲係on99咁

明明早過PayMe 推出，市佔卻連PayMe 都不如，失策

用返實體卡咪幾好

黑白moon部機可以用
嘟嗰個QR code