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thijsniks's profile
Thijs Niks
Thijs Niks
Thijs Niks
@thijsniks

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Thijs Niks

@thijsniks

Product Manager for ☎️ at @WhatsApp / ❤️ retweets

San Francisco, CA
thijs.niks.nu
Joined February 2009

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    1. Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @rr @ozkanaltuner

      How so?

      1 reply 0 retweets 0 likes
    2. Randy Reddig‏ @rr 13 Jul 2020
      Replying to @thijsniks @ozkanaltuner

      Externalized cost from issuers onto consumers, retailers, processors. Liability shift when PIN is used.

      1 reply 0 retweets 0 likes
    3. Randy Reddig‏ @rr 13 Jul 2020
      Replying to @rr @thijsniks @ozkanaltuner

      Starting with the fact that a static low entropy factor is a terrible idea to begin with

      1 reply 0 retweets 0 likes
    4. Randy Reddig‏ @rr 13 Jul 2020
      Replying to @rr @thijsniks @ozkanaltuner

      Not to mention chip & PIN are slow, which impacts consumers and retailers alike. See hockeystick adoption of contactless in CA, AU, NZ

      1 reply 0 retweets 0 likes
    5. Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @rr @ozkanaltuner

      All of those are true, but it is undeniable that it works: Chip+Pin only networks see 6x times less fraud than ones relying on Chip+Signature

      1 reply 0 retweets 0 likes
    6. Randy Reddig‏ @rr 13 Jul 2020
      Replying to @thijsniks @ozkanaltuner

      Sure but if liability shifts to consumer on the fraud that does happen, that’s a worse outcome. The other participants bear the majority of the cost of PIN.

      1 reply 0 retweets 0 likes
    7. Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @rr @ozkanaltuner

      The fraud that does happen is so limited that I'm not sure if that really is a worse outcome though

      1 reply 0 retweets 0 likes
    8. Randy Reddig‏ @rr 13 Jul 2020
      Replying to @thijsniks @ozkanaltuner

      Sounds good…for the banks.

      1 reply 0 retweets 0 likes
    9. Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @rr @ozkanaltuner

      The remaining fraud is mostly scammers doing contactless transactions without pin with stolen cards (max €50 loss in most of Europe) or scammers recording pin entry and then stealing the card (rare). I don’t think it’s unreasonable to have consumer liability for the first case.

      1 reply 0 retweets 0 likes
    10. Randy Reddig‏ @rr 13 Jul 2020
      Replying to @thijsniks @ozkanaltuner

      Respectfully disagree. While unauthorized charges are probably just an annoyance for you, a stack of €50 charges is a big deal to most folks.

      2 replies 0 retweets 1 like
      Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @rr @ozkanaltuner

      It’s definitely a large amount of money for a lot of people, but the system clarity still seems the better tradeoff to me. I do think individual card users should have the ability to set their own pinless transaction limit for which they feel comfortable.

      12:34 PM - 13 Jul 2020
      2 replies 0 retweets 0 likes
        1. New conversation
        2. Thijs Niks‏ @thijsniks 13 Jul 2020
          Replying to @thijsniks @rr @ozkanaltuner

          (It also can’t be a stack of €50 charges — a pin is required after 5 transactions without one or when you cross total spend of €50 without one. So maximum loss is €50, which is still a lot for many)

          0 replies 0 retweets 1 like
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        2. Thijs Niks‏ @thijsniks 13 Jul 2020
          Replying to @ozkanaltuner @rr

          Very cool. I just checked and one of my European banks does allow for setting my own contactless limit between €0 and €150, whereas the other one does not.

          0 replies 0 retweets 0 likes
        3. End of conversation
        1. New conversation
        2. Randy Reddig‏ @rr 13 Jul 2020
          Replying to @thijsniks @ozkanaltuner

          I think this is an issue best (or first) addressed with policy than with product or technology. Defaults are powerful.

          1 reply 0 retweets 0 likes
        3. Thijs Niks‏ @thijsniks 13 Jul 2020
          Replying to @rr @ozkanaltuner

          Defaults rule for sure. Policy is about tradeoffs though. More consumer protection for pinless transactions means somewhere other consumer costs have to go up (likely transaction fees, which also hurt people with low income)

          0 replies 0 retweets 0 likes
        4. End of conversation

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