About Apple Pay, no kidding!

24 04 2017

A shopaholic’s best friend

If a new technology or service hits the market it shouldn’t be accepted without qualification.

Here are my thoughts and reservations not only about Apple Pay but also about electronic payments with smartphones or smart watches in general.


Well, in your everyday life the easiest way to get rid of your -bogus- money is to pay cash. But carrying cash with you is followed by two risks: loss and mugging. Both may also happen to your password.

So there is a need to innovate and make payments secure and fast with something you always carry with you: eyes and fingers.

Admittedly you also carry your belly with you but after intense scientific researches it turned out that the waist circumference isn’t as unique as required.

Apple decided to use the fingerprint as the biometric identifier.

Your fingerprint might be unique but the technique to transform it into bits and later retrieve you as the actor can be buggy according to Murphy’s law.

So, what happens if things don’t go your way?

If you need support the worst case that can happen, a customer’s nightmare, is, that you have more than one partner. Here it’s Apple and your bank. Apple will say that they don’t have access to your data because the transaction isn’t done with real data but with generated tokens. The bank will tell you, that it’s not responsible for the technique and it suggests to contact Apple or, that your Axx processor should be repaired.

And what about the lost money?

It’s way to complicated to explain the strange redemption of John Doe’s or Mr A.N. Onymus’ money. Refunds are announced many times, according to legislation. But it seems that there are some unexpected black holes implemented in laws.

For God’s sake do not invest in any technique except your pillow (only halfway filled but secure). SMSs are winging it’s way to recipients in a jiffy but money still uses the Silk Road on the back of turtles.
Abso-fucking-lutely fuckers, that’s what bankers are when returning money or gaming via Investment Fonds, sorry, ASFs, aka Arrant Scoundrels Fonds.

Btw, did you know that ASF is also the official abbreviation for ‘African swine fever virus’?

Bankers are responsible for the financial crisis, they dashed people’s hopes, force people into poverty, and forward a very special legacy to our children, valuelessness.

So we learn:

Isn’t the law – still not adapted to activities in the Internet – a nicely flexible and bendable thing?

If you are a shopaholic or not don’t use the ultra-modern techniques. Get rid of your money by paying cash or using the old-fashioned credit card. Don’t trust all the involved techniques and transfers of data over thousands of miles via cables, servers, and through the air. They are not qualified to build up confidence.

I’m an Apple fan and trust in what Tim Cook tells us about privacy. But there should be limits because even Tim and his excellent engineers can’t kill all bugs living in Apple’s ecosystem. Some bugs are like bacteria, they are resistant. Some others are doing their job on the way to Maiden or other data centers.

Summary …

New kinds of electronic payment systems are not designed to reduce the costs but to get more personal data and force people to spend money they don’t have.

Why going a long way round? The next level of paying is to do it even without any device, just with your fingertip or your eye.

Follow Roman poet Ovid’s slogan Nip things in the bud (“Principiis obsta”) to prevent the society getting fully electronic instead of improving humanity.

Thanks for reading and
sorry for going ballistic.

If you ask me “Are you serious?”
my answer is “Nine times out of ten.”.





There is an app for that

24 03 2017

There are three constants in modern life:

Death, Taxes, and iPhone Rumors

Rumors are often exciting news for people following the Cupertino-based tech titan. But at the end of the day only facts count.

As the leading industrial nation the USA developed rules for financial reports which are basically overtaken by other countries (even Germany, the country which is well-known for it’s very special and complex legislation not really understood by normal people). The responsible commission in the USA is the SEC (U.S. Securities and Exchange Commission). 
The laws and rules that govern the securities industry not only in the United States but also in all other industrialized countries derive from a simple and straightforward concept:

All investors, whether large institutions or private individuals, should have access to certain basic facts about an investment prior to buying it, and so long as they hold it.

To achieve this, the SEC requires public companies to disclose meaningful financial and other information to the public.

You aren’t an investor?

That doesn’t matter. Apple’s SEC filings are most often a good reading. Many filings are quite long, others without interesting information. So it’s good to know about some nomenclature for your personal information filter.

More …

About a reliable source of information

You can follow be the app under

SEC Filing Alerts by Luminant Software, Inc

About Apple’s corresponding website

Investor @Apple.com

Thanks for reading.





3 Entrepreneurs

2 03 2017

with strong convictions
and one company with a searching glance

Henry Ford

If I had asked people what they wanted, they would have said faster horses.

Ferdinand Porsche

I couldn’t find the sports car of my dreams, so I built it myself.

Steve Jobs

A lot of times, people don’t know what they want until you show it to them.


What’s your take on
Microsoft’s mobile devices Mr Nadella?

Two platforms account for 99.6% of mobile device usage. The nearest competitor is Microsoft’s Windows 10 for smartphones which managed 0.3%.

To be honest, Windows 10 isn’t a competitor, it’s a vanity project at best.

Microsoft held a commanding position in the US smartphone market, but that period was before the market was disrupted by Apple and Google. Steve Ballmer did not deliver success in the 2nd gen smartphone space, did not capitalise on the early Pocket PC performance and did not prepare Microsoft for the app economy. The desktop OS business, along with enterprise and business software tools continued to deliver financial success.

Admittedly Steve Ballmer was right about one thing…

“developers, developers, developers …”

and ultimately it were the developers who struck the fatal blows that doomed Windows Phone.

With an iPhone or an Android smartphone of today you can easily dive into Microsoft’s world with Outlook, OneDrive, OneNote, and Office.

Is that Mr Nadella’s vision?

The operating system is no longer the key to bringing customers on board. The key is getting them into your app store and your cloud.

People are not interested in the OS. They spend their time in using apps.

Again. What’s your take Mr Nadella?

“The enterprise-cloud opportunity is massive – larger than any market we have ever participated in.”

If I understand you right commercial cloud brings the cash and mobile devices remain your vanity project.

Good to know. So we mustn’t wait for further hazy announcements regarding smartphones. All this makes me sad. For me as a user it would be much more exciting to see a third big player in the market of a device category which plays an outstanding role in our lives.

Thanks for paying attention.