Basically, what the title says. Do you use any app, that is proprietary, but either has no OSS alternatives or they're all not good enough? If there is an alternative, what keeps you from switching?

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[–] todd_bonzalez@lemm.ee 11 points 2 months ago (1 children)

The issue is that the digital tap-to-pay cards are actually reissued cards with their own unique numbers. They also require significant security measures to protect from cloning attacks.

So banks need a party that they can safely issue a digital card to, knowing that the card data will be stored safely.

Even a FOSS app that covers all the user's needs is going to have a lot of trouble actually getting a card loaded into it under current standards.

I hate to say it, but crypto wallets are likely the closest thing we're ever going to get to a FOSS tap-to-pay system. Banks are inherently corporate and capitalist, so it's not really in their nature to make things open source.

Perhaps if there were an industry standard for issuing digital cards, instead of banks partnering with centralized wallet apps, we could procure our own digital cards to load onto our phones and watches, or integrate into other devices. But that's a whole other battle that nobody is fighting right now.

[–] logging_strict@lemmy.ml 2 points 2 months ago

A FOSS app for digital payments, must have a company front to sign deals with country retail store chains. Although customer kyc can be avoided, the payments from the front company to retail chains would be thru a corporate structure.

... maybe convenience is the wrong path

The advantages of PoW crypto, over digital (and PoS), it's possible to force between seller and buyer:

communication with end-to-end encryption
privacy oriented marketplaces

With the goal of fostering our own private communities. Over time, might spawn a sub-culture, identity, and ultimately people hood.