Since the introduction of the so-called Internet banking, so the enabling of banking transactions in the network, are already 15 years have passed. In these 15 years it has become naturalized in broad masses of people to use that road. He saves a walk to a store by entering the computer. It makes use of a transaction number for a transfer or a securities contract (TAN). This TAN reading from a sheet of paper from which one will be sent from time to time by the Bank by mail (paper list).
well and good. Now, however, presses ahead, Postbank with an alleged improvement of this route before and comfortable forcing their customers to use the TAN via mobile phone or through a TAN generator .
I have now employs about an hour and I note the following:
mobileTAN: Only free in Germany. Even a week's holiday with a few trades can lead to as high roaming costs. Furthermore, great effort. be requested per transaction has a TAN. Imagine only 5 referrals. The single requirement annoying and takes time.
chipTAN: For this you have to buy a device that is lying around and put in the awkward one in a card and then make a comparison with the screen needs.
Both methods are Securities transactions are completely unsuitable. Community dangerous they are when there is a violent price swings and you have to react quickly. As can be easily a dozen times TAN away and with the new deterioration is simply no longer act and react on time and. Warrant transactions and the like differ from the future with Postbank.
The paper list could easily been put on the desk and take out anywhere. This has now worked 15 years well.
There have prevailed at Postbank some computer science geeks, complicating an already safe system and thus generate revenue for themselves. It also earn the MOT and the device manufacturer. The advertising that it's all a comfort for the customer is performing, the sheer mockery.
result: a completely free product and makes Postbank that does not deteriorate as a service.
Hopefully there are some decent managers in Postbank, which Technokratenwahn stop this in time. Here
similar thoughts in a blog: http://klausens.blogg.de/eintrag.php?id=1612
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