Wow, wtf! I would not expect that degree of mass surveillance to be economically viable. And so overtly stark in the face of the GDPR. In principle, we should be able to make a GDPR access request to the central bank to ask them where we shop with cash and which ATMs we used.
I don’t get why “QR” is described as a “payment option”. It’s still a bank account transaction in the end which is exclusively for banked people. And worse, it excludes people without recent smartphones and the Google Playstore account needed to get the closed-source app that violates our software freedom.
I have a hard time giving a shit about the novelty of not carrying a plastic card in the big scheme of things, when forced-banking is being oppressively shoved in our faces and privacy is toast, while also being vulnerable to systemic denial of service in the event of cyberattacks as acts of war. While violating our human rights (banks treat different people differently based on where they come from).
Europeans are fucked as far as privacy goes. The GDPR is unenforced. But even if were enforced, the GDPR’s data minimisation (article 5) rule only obligates data controllers to consider options that are available.
We know from all the cashless bars in Amsterdam how naive and flippant consumers are about privacy. Creating a digital footprint of alcohol consumption is one of the most foolish things consumers can do, particularly in light of that Scandinavian guy who was denied a mortgage on the basis of his drinking habits, which were known to the bank by his purchase history.
Privacy aside, there is a human rights issue because banks treat different demographics of people differently. It’s disturbing how the human rights problem is so overlooked.
In any case, Albania cannot join the EU while being cashless unless Albania keeps their own currency.
fwiw, here is an emacs version:
https://codeberg.org/martianh/lem.el#headline-11
I think what would be most useful would be a usenet→lemmy gateway, so that rich catalog of usenet clients can be leveraged on Lemmy.
Sounds like Paypal, who is “not a bank”, but who operates on the basis that you must link a bank or interact with a bank to do transactions. But you say unbanked people can use it? How do you get cash loaded onto it?
I suppose it’s still far from being something I could find useable because apps that reject rooted phones would be closed-source (read: untrustworthy; misplaced control).