• palordrolap@kbin.social
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    5 months ago

    Let me guess: I’ll buy a toaster because my old one died but then I’ll get ads for new toasters constantly. You bought one, you must want another. And another. And another. Why aren’t you buying more toasters. You bought one. Buy another! Buy twenty!! People who bought toasters also bought microwaves and kettles. Do you want a toaster? Does anyone want any toast?

    • TheFeatureCreature@lemmy.world
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      5 months ago

      It’s amazing that these companies spend ultraquadrillions on advertisement platforms and algorithms and all they ever seem to do is just spam products at you that you have already purchased. Where is all this money going?

    • SlopppyEngineer@lemmy.world
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      5 months ago

      “No, I don’t want any toast. No toast. No buns, baps, baguettes or bagels. No crumpets. No croissants. No teacakes, no potato cakes, and no hot cross buns. And definitely no smegging flapjacks.”

      Yeah, that’s the future with AI.

    • r00ty@kbin.life
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      5 months ago

      Given that God is infinite, and that the universe is also infinite. Would you like a toasted teacake?

    • Olhonestjim@lemmy.world
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      5 months ago

      Corpo apps are like

      “Do you love me? Rate 5 stars?”

      How about zero stars for harassment? Do I need to talk to HR?

      • RGB3x3@lemmy.world
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        5 months ago

        Fucking within like 2 minutes of using their apps too, they ask, “do you like the app?” Then another popup that says, “provide feedback for why you don’t like our app?”

        Because you keep getting in the way of me actually doing what I need to do. And it’s getting uninstalled as soon as I’m done with it.

        • jaybone@lemmy.world
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          5 months ago

          It’s to the point where no one wants to do shit on their website anymore. They force you to download the app. So they can get even more access and control of your info. And like I need more motherfucking apps on my goddamn home screens. Fuck that shit.

    • grue@lemmy.world
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      5 months ago

      That’s why the only safe software in the long term is Free Software.

  • snownyte@kbin.social
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    5 months ago

    I would’ve loved to have a paypal alternative if so many damn services would adopt them.

    And no I’m not talking Google Pay or Apple Pay. They’re just as bad.

    • flames5123@lemmy.world
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      5 months ago

      How is Apple Pay just as bad? I haven’t heard anything that they do like this. There is no advertising in the Apple ecosystem. In fact, several places (like Walmart) don’t want to adopt the tap to pay because for some cards, it blocks tracking from them by using a pseudo randomized credit card number every time. It makes using the rewards for places a pain, but it works at maintaining harder tracking for whoever you’re paying.

    • cum@lemmy.cafe
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      5 months ago

      There really isn’t going to be, besides giving them your card directly (or paying crypto🤢). PayPal is less about the software and more about the service, which isn’t something FOSS can really replace. An alternative would have to have a company behind it that works with major financial institutes and whatnot.

  • Panda (he/him)@lemmy.dbzer0.com
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    5 months ago

    Well, this sucks. PayPal was great for only having your credit card information in one place - now it looks like I’ll have to risk it with every website.

        • girthero@lemmy.world
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          5 months ago

          I like the concept if disposable CC numbers, but looks like i need to link both to my bank account. Anything like this that can link to another credit card?

          • ____@infosec.pub
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            5 months ago

            Thought they charged something to put $ on temp card, via EFT though I may well be wrong.

            Don’t recall the org name I conflated w them anymore u fortunately.

            And from where I sit, yeah they pay me to some degree - the acct costs me nothing, and it’s got a handful of the usual “edge case” insurance benefits and such most debit cards don’t.

            Not real useful to me, admittedly, but I do receive something.

            That, and they reliably post direct deposit exactly 48h early, plus or minus fifteen minutes. Ability to plan my life around when exactly my check will show up has value. Seems to be very much a “best effort” basis to post early w/ most banks.

            Lots of that stuff is useful because of my individual habits and patterns of spending I’m sure, might well not be for you.

            Will check out privacy, now I’m kind of curious if there is something even more friction free for my scenario.

    • RaoulDook@lemmy.world
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      5 months ago

      Did you not know they’re already selling your purchase data? All the card networks do it.

      That’s why you need to use cash to buy anything you don’t want logged to create a data point about you to be sold

      • Blackmist@feddit.uk
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        5 months ago

        For items or just the shop? Because I write EPOS systems for a living, and as far as I can tell, we pass no item data to the credit card merchants.

        The shop is obviously passed to them. So maybe don’t by from Dave’s Enormous Dildo Emporium.

        • RaoulDook@lemmy.world
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          5 months ago

          The card companies can get data from the Merchant Category Code to infer the nature of purchases, without specifics. The stores also have a record of what items you bought, which could also be sold unless you have a contract with the store that guarantees they won’t sell your purchase history (at least in the countries without strong privacy laws)

          • Blackmist@feddit.uk
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            5 months ago

            That’s per store though, presumably when they sign up with a payment provider (because there’s a lot of rules about e.g. using credit cards to gamble with).

            If I buy sex toys from Tesco, it’s still showing up as “groceries”. If I buy from a sex shop, it’s going to be more clear cut.

            I can see from my emails that PayPal send out itemised receipts on behalf of their customers, so they’re definitely collecting more data than the big two.

  • exanime@lemmy.today
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    5 months ago

    So happy I deleted my account with them 5 years ago after going throught their laughably bad customer protection (the only reason I had them to begin with, I had figured it was a good idea to have a buffer between merchants and my CC)

    In the end, it was perfect because, as they refused to help, I went straight to the credit card to reverse the fraudulent charge and closed all accounts with PayPal… Then I get a whiny email from them when the CC took the funds and left them holding the bag… Sweet minor victory

        • exanime@lemmy.today
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          5 months ago

          Correct… In late stage capitalism “innovation” means breaking some laws (Air B&B, Uber), smoke and mirrors (AI) or outright scams (Theranos)

          This is why all these new “innovations” need to flood the market as hard and fast as possible… Before anyone notices what they really are

          • Blackmist@feddit.uk
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            5 months ago

            Throw enough investor money at lawyers and anything is legal for an amount of time.

            “Oh, I’m sowwy, did we bweak the law? Well here’s 5,000 boxes of paper that say we didn’t, see you in 18 months.”

  • rekabis@lemmy.ca
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    5 months ago

    Well… looks like I’m going to have to find a new payment platform to use.

    • Petter1@lemm.ee
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      5 months ago

      This would be? Most stores I know of either want your credit card information directly, or paypal Never really saw a international big player like this… Here in Switzerland we have twint as alternative, but it is only available on most swiss stores.

      Well, stripe is relatively often available as well…

      What I wanted to tell is, paypal does not need to be the best payment service for end user, it needs to be the cheapest and easiest service to implement in your store. The store does not care about your data going to paypal, the store only sees the cut they have to gove the payment services.

  • fine_sandy_bottom@discuss.tchncs.de
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    5 months ago

    I’m surprised that they haven’t been doing this from the start tbh. Obviously they’ve been selling your data to whoever, which is really the same I guess.

  • AutoTL;DR@lemmings.worldB
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    5 months ago

    This is the best summary I could come up with:


    PayPal will use data from billions of customer transactions to supercharge its nascent ad business.

    The new PayPal Ads group is headed by recent hire Mark Grether, a senior vice president and GM at PayPal, who says the budding advertising operation will “help make merchants smarter to sell more products and services effectively, as well as enable consumers to discover more of what they love.”

    But, his reported statement doesn’t really dwell on the fact that it will be using customer data, including purchase history, to pull this off.

    In addition to the main PayPal platform, it also operates cash transfer app Venmo and Honey, a browser extension designed to find deals online.

    The report also mentions that Venmo will see fewer ads served in order to not drive off its younger users.

    PayPal’s data on users’ purchases and other transactions, combined with AI, might prove to be great at advertising, though probably to the consternation and frustration of recipients.


    The original article contains 366 words, the summary contains 160 words. Saved 56%. I’m a bot and I’m open source!

    • Tikiporch@lemmy.world
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      5 months ago

      Yes, their evil plot finally laid bare. Copy what Mastercard and Visa have been doing since the 80s.

  • rtxn@lemmy.world
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    5 months ago

    I hope they enjoy analzying my once-a-month subscription to FFXIV and nothing else.