Showing posts with label Nedbank. Show all posts
Showing posts with label Nedbank. Show all posts

Thursday, April 9, 2020

How everyday technology makes life easier - Spotify, Admyt, Banking apps, Tap to Pay, Google Maps and more...


Technology moves insanely quickly nowadays.
I work in the IT field daily, and I often find myself having to play catch up as new tech trends emerge.
Older people that I meet often have a huge resistance to this change, and they often struggle to understand some of the ways in which technology can make their lives easier.

Let's touch on a few of these (some of these may be slightly less relevant under current lockdown conditions...:):

Spotify:

For me, Spotify is a huge part of my daily tech ritual. Sure there are other music streaming services out there (Google Music, Apple Music), however Spotify is just the one that I happen to prefer.
For someone who knows nothing about streaming music services, Spotify must sound like madness.
To have full access to over 35 million tracks on demand (available offline when I want), is truly awesome if you are a music lover like me.

Prior to my Spotify adoption of course, I used to be set on the idea that I had to have full physical control and possession of all my music - all of my .mp3 files neatly stored on hard drives.
The downside to this is how delicate hard drives are - one drop, and your data is toast.
Going even further back, it was CD's of course - all neatly stacked in the TV cabinet gathering dust in their cases, all the while accumulating surface scratches every time they were handled.
Jumping back to the days of cassette tapes and vinyl - well things were very different indeed back then.
You can of course still order vinyls nowadays - there is certainly something to be said for the sound quality that a decent vinyl can produce when played on audiophile-class equipment, but that's a topic for another post :)

Long story short - if you want pretty much any song, from any genre, available to listen to 24/7, on your phone, PC, Mac or tablet, then check out Spotify or one of their competitors.
Personally I like Spotify because you can control your music via multiple devices simultaneously, but that's just my choice :)



Admyt:

Admyt seeks to solve a very simple problem when visiting shopping malls - parking tickets.

Now we all know the process:- arrive, take your ticket, boom opens, and you're in.
Then when you leave:- rifle through your pockets to find the ticket, check if you actually have change to pay for parking with, hope like hell that the machine isn't out of change, pay for parking, take ticket, present ticket at exit, boom opens and you're done.
It's tedious at best.

Enter Admyt.
Admyt is a free app that you can get from Google or Apple's stores.
It allows you to load your vehicle and a credit card onto the app. Once loaded, all you have to do is pull up to a boom at one of the Admyt-enabled shopping centres (check locations here), and the boom magically opens.
You then receive an SMS to inform you that your Admyt session has started, while the app keeps track of how long your session has been going for.
When your shopping spree is done, hop in your car, drive to the boom and watch it magically open again.
Any parking fees due are then automatically deducted from your credit card.

Any questions?



Banking apps:

I remember the days when we still had to go into something called a "branch", if we wanted to do anything relating to banking :)
We had to fill out "deposit slips" and make payments with strange things called "cheque books"...
Nowadays it (almost) all happens on our mobile devices.
Payments, Transfers, Balance enquiries - almost anything can now be done on our phone apps in real time.
Sometimes I even perform transactions on the fly during my shopping - how much more convenient can life be?

I wonder if any millennials who read this will even know what a cheque book is...? ;)


Tap to Pay:

Here's one that often unnerves even the most tech-savvy of old school folk.

The idea that one can pay for goods by simply tapping your card onto a machine is so deeply unsettling for some people - I saw a lady in Woolies last month getting herself into quite a state, just because the lady at the till tapped her card to pay.
She insisted that she had "disabled" it with her bank, and therefore the lady who tapped it must be taken to task!
Truth is, if the card has the tap to pay symbol on it, then it is tap to pay enabled.
For a little peace of mind, most banks will allow tap to pay transactions to go through without a PIN code, up to around R500. Above that, and the machine will request a PIN code.


Google Maps:

This one truly is a cornerstone of daily survival, to me at least.
Google Maps, and GPS in general is something that we now take for granted to a huge degree.
When I was growing up, the name Map Studio was commonplace if you were venturing anywhere unknown.
Map Studio published (and probably still do) area maps of the large metropolitan areas, and this is how we found our way around back then.
If something changed, you then had to go out and purchase the latest edition of the area that you were interested in.

Today it is beyond simple.
Open Google Maps on your phone, type the address where you want to go, and your best route is automatically calculated, along with traffic info to ensure the quickest possible route.

How did we ever cope before such simplicity?


Evernote and Google Keep:

Trying to keep track of lists, to-do's, tasks and random factoids through the day can be a really challenging task.
We cannot truly multi-task (as much as we think we can), but we try to all the same - personally I find myself getting quite stressed out when several things are thrown at me simultaneously.
That's where a cloud-based note taking app steps in to help.

I've been using Evernote for years now - it allows me to take notes and sync them between my devices seamlessly, so that they are always up to date.
More recently though, I started trying out Google Keep - a lightweight app that does pretty much the same thing as Evernote. The key word here is "lightweight".
Evernote can get a bit cumbersome, and the web version is pretty slow to load.
Google Keep on the other hand is quick to load, and very quick to sync between devices - there is hardly any lag.
Update notes on one device, and the changes propagate to other devices almost instantly (assuming all devices are online of course).

Regardless which one you choose to make use of, a cloud-based note app should form a part of your daily tech tools, in order to better manage the multitude of things that will invariably be thrown your way.


So what is your tech-weapon of choice that helps get you through the day?

I'll follow this up with another post soon that deals specifically with lockdown related to the Covid-19 Pandemic, and the tools that we can use to adjust to this life-changing event.

Wednesday, October 20, 2010

Can you be TOO secure when it comes to internet banking and viruses?

Of late, South African banks have stepped up their efforts to stop internet banking fraud, by introducing a number of 3rd-Party applications that are supposed to protect the end-user from potential threats.

The ones that I have encountered include Prevx (FNB) and Rapport (Nedbank), and they add an additional layer of protection onto your web browser, specifically targeted at protecting internet banking sessions.
End-users will happily install whatever the bank recommends, because in doing so, the end-user then has grounds to claim, should their account be hacked or breached in any way.
If an end-user has done everything that their bank has advised in order to stay safe online, then it minimizes any responsibility placed upon them, should the proverbial sh1t ever collide with the proverbial fan...

Now this is all fine and well, one might say. Anything in the name of security!
Then I inevitably get a call, and it goes something like this:

Caller: My PC is running really slowly lately...


Me: What has changed on your PC recently that may have caused it? Have you installed anything new? Changed anything?


Caller: Nope, just installed this banking software thing to protect me when I am online...


Me: Ah. Ok, and what other antivirus protection etc. is running?


Caller: ....dunno.


The call out that follows, invariably involves the discovery of one or more of the following software packages installed:

- Prevx
- Rapport
- Some antivirus (Avast, Norton's, BitDefender...)
- Windows Defender

The important thing to remember here is that each new antivirus / anti-spam / security package that gets installed on a PC, does 2 main things:


- It tries to protect you, and in doing so it scans opened files, web pages, RAM, folders on your hard drives, flash drives that you may plug in etc.
- In the process of trying to protect you, it uses system resources - i.e. RAM and CPU mainly.

Ultimately, trying to be as secure as possible on the internet is a delicate balancing act between safety and speed.
It is also not necessarily true that more is better - I have seen antivirus software identifying banking protection software as a virus... go figure...?!
So, in addition to speed concerns, you could end up with an arm-wrestling match between different software packages. It can become quite confusing!

As a guideline, I would say that one antivirus package, coupled to a single internet banking protection package should be sufficient.
If you happen to bank with different institutions who each want you to install THEIR preferred software, then you have a dilemma on your hands, because you are likely to end up with an antivirus package (assuming you already have one), and 2 or more packages aimed at protecting your online banking experience = potentially slow PC... :)
Enhanced by Zemanta

Monday, June 21, 2010

Scam mails are now targeting FNB...

I had a whackload of posts up previously about email scams going around in an attempt to defraud ABSA and Nedbank customers.
Back then I outlined a few ways to identify suspected "phishing" email that you receive.

Take a look at the latest attempt to defraud FNB customers - it's pretty weak but I am sure it may still fool a few unsuspecting customers...:
As discussed in previous posts, this one contains a few dead giveaway clues as to the decidedly unsavoury intentions behind it:

1. The mail comes from "FNB NATIONAL"... ummm hello scammers - who is FNB NATIONAL? The bank is called FNB. Get with the program.
2. Check out this cool grammar: "...Our Internet Banking is in the process of Implementing System Upgrade...". Would love to know where these guys learnt English.
3. How about this one: "...and interact with certain Pages and elements regard our Internet Banking...". Nice. The work of a genius no doubt.
4. ...and the nail in the coffin - the embedded link goes to: http://www.dojindo.com/home//administrator/components/com_virtuemart/fataiakande/index.htm - clearly not a legitimate FNB site, and one which Firefox dismisses as being dodgy anyway.

So if you have been following my posts about this subject, you should know the guidelines about staying safe when dealing with these dodgies - stick to it and don't let your guard down.

Monday, March 29, 2010

New Nedbank scam mail - and this one is still very active so watch out...!

Re all my ramblings recently about ABSA scam mails being sent around, it seems that no bank is off limits here - just got this Nedbank one in my Inbox a few minutes ago.
I am not going to re-hash all of the many ways to tell if this is a fake mail, or how to avoid getting caught by these losers, but be aware that the link in this mail directs to an active site, which WILL capture your login details should you take the bait.

The mail looks like this (or similar):
Keep your guard up and be very aware of this kind of thing - it seems the scammers are on a mission to catch unsuspecting people out. Always double-check any electronic banking correspondence you receive!


...and once again, a message to the scammers - please guys, get a dictionary or take some English grammar classes! :)

Grab your inverter now and be prepared for Load Shedding!

Shop HP Printers here!

Low on ink? Shop Genuine HP Ink and Toner here!

Shop Targus laptop bags, USB hubs, accessories and gadgets here!

Popular Posts