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  3. Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity.

Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity.

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resiliencepreparednessinfrastructurepaymentsbanking
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  • leffe@social.linux.pizzaL leffe@social.linux.pizza

    @kallekn @harrysintonen

    Android apps that don't require logging in to Google for "security" reasons may soon be a thing of the past. I had /e/OS for a couple of years, but there were other necessary apps that wouldn't run, because they hadn't been installed by Google. It's a house of cards.

    kallekn@mastodonsweden.seK This user is from outside of this forum
    kallekn@mastodonsweden.seK This user is from outside of this forum
    kallekn@mastodonsweden.se
    wrote last edited by
    #15

    @leffe @harrysintonen That's what I am afraid of when it comes to BankID for example. If it stops working, /e/OS is toast.

    1 Reply Last reply
    0
    • leffe@social.linux.pizzaL leffe@social.linux.pizza

      @kallekn @harrysintonen

      Android apps that don't require logging in to Google for "security" reasons may soon be a thing of the past. I had /e/OS for a couple of years, but there were other necessary apps that wouldn't run, because they hadn't been installed by Google. It's a house of cards.

      leffe@social.linux.pizzaL This user is from outside of this forum
      leffe@social.linux.pizzaL This user is from outside of this forum
      leffe@social.linux.pizza
      wrote last edited by
      #16

      @kallekn @harrysintonen

      Oh, and even #MicroG as an alternative to Play Services still depends on Google infrastructure.

      1 Reply Last reply
      0
      • kallekn@mastodonsweden.seK kallekn@mastodonsweden.se

        @leffe @harrysintonen Swish works fine on /e/OS. But it does require BankID. Which also works fine on /e/OS, at the moment at least.

        toxy@mastodon.acc.sunet.seT This user is from outside of this forum
        toxy@mastodon.acc.sunet.seT This user is from outside of this forum
        toxy@mastodon.acc.sunet.se
        wrote last edited by
        #17

        @kallekn @leffe @harrysintonen I’ve just bought a SailfishOS phone and hope I can get BankID working on it, presumably by sideloading the Android version.

        kallekn@mastodonsweden.seK leffe@social.linux.pizzaL 2 Replies Last reply
        0
        • S slotos@toot.community

          @jandi @harrysintonen Reqlly interested in this too. Not even the tech of it—I don’t expect any surprises there—but rather the organizational decisions behind them all.

          harrysintonen@infosec.exchangeH This user is from outside of this forum
          harrysintonen@infosec.exchangeH This user is from outside of this forum
          harrysintonen@infosec.exchange
          wrote last edited by
          #18

          @jandi My understanding is that this is all based on the existing EMV technology and doesn't require new hardware. Basically it's just enabling existing features. Sorry, but I don't have technical specs for this.

          @slotos
          As for the regulation, each country has a slightly different process and bodies doing it. Usually it's the national central bank with some kind of payment council (that has participants from various stakeholders running the payment systems, for example https://www.nationalbanken.dk/en/what-we-do/safe-and-efficient-payments/the-danish-payments-council).

          jandi@mastodon.socialJ 1 Reply Last reply
          0
          • toxy@mastodon.acc.sunet.seT toxy@mastodon.acc.sunet.se

            @kallekn @leffe @harrysintonen I’ve just bought a SailfishOS phone and hope I can get BankID working on it, presumably by sideloading the Android version.

            kallekn@mastodonsweden.seK This user is from outside of this forum
            kallekn@mastodonsweden.seK This user is from outside of this forum
            kallekn@mastodonsweden.se
            wrote last edited by
            #19

            @toxy @leffe @harrysintonen Please do tell if that works.

            toxy@mastodon.acc.sunet.seT 1 Reply Last reply
            0
            • toxy@mastodon.acc.sunet.seT toxy@mastodon.acc.sunet.se

              @kallekn @leffe @harrysintonen I’ve just bought a SailfishOS phone and hope I can get BankID working on it, presumably by sideloading the Android version.

              leffe@social.linux.pizzaL This user is from outside of this forum
              leffe@social.linux.pizzaL This user is from outside of this forum
              leffe@social.linux.pizza
              wrote last edited by
              #20

              @toxy @kallekn @harrysintonen

              I had Sailfish too for a couple of years. Same problems.

              kallekn@mastodonsweden.seK 1 Reply Last reply
              0
              • kallekn@mastodonsweden.seK kallekn@mastodonsweden.se

                @toxy @leffe @harrysintonen Please do tell if that works.

                toxy@mastodon.acc.sunet.seT This user is from outside of this forum
                toxy@mastodon.acc.sunet.seT This user is from outside of this forum
                toxy@mastodon.acc.sunet.se
                wrote last edited by
                #21

                @kallekn @leffe @harrysintonen Absolutely.

                1 Reply Last reply
                0
                • leffe@social.linux.pizzaL leffe@social.linux.pizza

                  @toxy @kallekn @harrysintonen

                  I had Sailfish too for a couple of years. Same problems.

                  kallekn@mastodonsweden.seK This user is from outside of this forum
                  kallekn@mastodonsweden.seK This user is from outside of this forum
                  kallekn@mastodonsweden.se
                  wrote last edited by
                  #22

                  @leffe @toxy @harrysintonen But did BankID work? What did not work?

                  leffe@social.linux.pizzaL 1 Reply Last reply
                  0
                  • kallekn@mastodonsweden.seK kallekn@mastodonsweden.se

                    @leffe @toxy @harrysintonen But did BankID work? What did not work?

                    leffe@social.linux.pizzaL This user is from outside of this forum
                    leffe@social.linux.pizzaL This user is from outside of this forum
                    leffe@social.linux.pizza
                    wrote last edited by
                    #23

                    @kallekn @toxy @harrysintonen

                    Yes, but it was eight years ago. It doesn't have any advantage over other degoogled systems. We'll see what happens whey tighten things this autumn.

                    kallekn@mastodonsweden.seK 1 Reply Last reply
                    0
                    • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                      @jandi My understanding is that this is all based on the existing EMV technology and doesn't require new hardware. Basically it's just enabling existing features. Sorry, but I don't have technical specs for this.

                      @slotos
                      As for the regulation, each country has a slightly different process and bodies doing it. Usually it's the national central bank with some kind of payment council (that has participants from various stakeholders running the payment systems, for example https://www.nationalbanken.dk/en/what-we-do/safe-and-efficient-payments/the-danish-payments-council).

                      jandi@mastodon.socialJ This user is from outside of this forum
                      jandi@mastodon.socialJ This user is from outside of this forum
                      jandi@mastodon.social
                      wrote last edited by
                      #24

                      @harrysintonen @slotos Thank you. The nationalbanken.de is the link with more info IMO.

                      Interesting stuff, thank you for posting, and @skinnylatte for boosting.

                      1 Reply Last reply
                      0
                      • leffe@social.linux.pizzaL leffe@social.linux.pizza

                        @kallekn @toxy @harrysintonen

                        Yes, but it was eight years ago. It doesn't have any advantage over other degoogled systems. We'll see what happens whey tighten things this autumn.

                        kallekn@mastodonsweden.seK This user is from outside of this forum
                        kallekn@mastodonsweden.seK This user is from outside of this forum
                        kallekn@mastodonsweden.se
                        wrote last edited by
                        #25

                        @leffe @toxy @harrysintonen The advantage would be that it is totally independent of Google... except it maybe isn't, when you need to use Android apps... which is most apps.

                        🤔

                        1 Reply Last reply
                        0
                        • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                          Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                          The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                          Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                          #resilience #preparedness #infrastructure #payments #banking

                          wariat@mastodon.socialW This user is from outside of this forum
                          wariat@mastodon.socialW This user is from outside of this forum
                          wariat@mastodon.social
                          wrote last edited by
                          #26

                          @harrysintonen
                          It's high time they came up with the idea of ​​abolishing cash.

                          sef@social.coopS 1 Reply Last reply
                          0
                          • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                            Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                            The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                            Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                            #resilience #preparedness #infrastructure #payments #banking

                            catraxx@tech.lgbtC This user is from outside of this forum
                            catraxx@tech.lgbtC This user is from outside of this forum
                            catraxx@tech.lgbt
                            wrote last edited by
                            #27

                            @harrysintonen I am glad that when the world ends, i can still pay my bills.

                            1 Reply Last reply
                            0
                            • wariat@mastodon.socialW wariat@mastodon.social

                              @harrysintonen
                              It's high time they came up with the idea of ​​abolishing cash.

                              sef@social.coopS This user is from outside of this forum
                              sef@social.coopS This user is from outside of this forum
                              sef@social.coop
                              wrote last edited by
                              #28

                              @wariat That means the end of common access to state-issued money (m0). Not sure that’s a good thing, if not an outright monetary impossibility. https://www.harpercollins.com/products/cloudmoney-brett-scott @harrysintonen

                              wariat@mastodon.socialW 1 Reply Last reply
                              0
                              • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                                Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                                The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                                Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                                #resilience #preparedness #infrastructure #payments #banking

                                evoscale@c.imE This user is from outside of this forum
                                evoscale@c.imE This user is from outside of this forum
                                evoscale@c.im
                                wrote last edited by
                                #29

                                @harrysintonen What are the odds that 'internet' would morph into network of interconnected drone nets?

                                *not an endorsement of satellite networks 😉

                                1 Reply Last reply
                                0
                                • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                                  Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                                  The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                                  Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                                  #resilience #preparedness #infrastructure #payments #banking

                                  osma@mas.toO This user is from outside of this forum
                                  osma@mas.toO This user is from outside of this forum
                                  osma@mas.to
                                  wrote last edited by
                                  #30

                                  This paves the way for digital euro, but affects in-person payments only, and relinquishes the consumers' chargeback right because even when delayed, debit is still debit. With buyer behavior moving more and more online, and remote purchases without chargeback right moving all the transaction risk to the consumer, it's not all good.
                                  https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html
                                  @harrysintonen

                                  1 Reply Last reply
                                  0
                                  • sef@social.coopS sef@social.coop

                                    @wariat That means the end of common access to state-issued money (m0). Not sure that’s a good thing, if not an outright monetary impossibility. https://www.harpercollins.com/products/cloudmoney-brett-scott @harrysintonen

                                    wariat@mastodon.socialW This user is from outside of this forum
                                    wariat@mastodon.socialW This user is from outside of this forum
                                    wariat@mastodon.social
                                    wrote last edited by
                                    #31

                                    @sef
                                    In my opinion, it's a really bad idea, but no one ever asks me 😄

                                    @harrysintonen

                                    1 Reply Last reply
                                    0
                                    • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                                      Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                                      The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                                      Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                                      #resilience #preparedness #infrastructure #payments #banking

                                      christopherkunz@chaos.socialC This user is from outside of this forum
                                      christopherkunz@chaos.socialC This user is from outside of this forum
                                      christopherkunz@chaos.social
                                      wrote last edited by
                                      #32

                                      @harrysintonen In addition to Russia cutting the cables, my concern is for VISA and other US credit card providers cutting service to specific, targeted individuals or even whole countries. We've already seen precedent for both.

                                      harrysintonen@infosec.exchangeH 1 Reply Last reply
                                      0
                                      • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                                        Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                                        The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                                        Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                                        #resilience #preparedness #infrastructure #payments #banking

                                        kierkegaanks@beige.partyK This user is from outside of this forum
                                        kierkegaanks@beige.partyK This user is from outside of this forum
                                        kierkegaanks@beige.party
                                        wrote last edited by
                                        #33

                                        @harrysintonen even when they do it 😐

                                        1 Reply Last reply
                                        0
                                        • harrysintonen@infosec.exchangeH harrysintonen@infosec.exchange

                                          Finland, Denmark, Norway, Sweden, and Estonia are soon enabling offline debit card payments for at least seven days without network connectivity. The change covers payments for essential goods in physical trade, such as food, medicine, and fuel. Each country has made - or is in the process of making - the required changes to their related regulations to enable it.

                                          The motivation for this change is to enable payments even in exceptional situations such as network disruptions due to sabotage or conflict. TL;DR: You can pay for essentials even if Russia cuts the cables.

                                          Plans for this change were announced in May 2025: https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/

                                          #resilience #preparedness #infrastructure #payments #banking

                                          briankrebs@infosec.exchangeB This user is from outside of this forum
                                          briankrebs@infosec.exchangeB This user is from outside of this forum
                                          briankrebs@infosec.exchange
                                          wrote last edited by
                                          #34

                                          @harrysintonen Seems like good for the consumer, but also good for fraudsters, no?

                                          harrysintonen@infosec.exchangeH 1 Reply Last reply
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