The Anonymous Widower

Cake Anyone!

I’m not a cake connoisseur by any means, but I just had to put a link to Borough 22, even though I haven’t seen them for real, had a bite, or just a sniff.

As Marie Antoinette said “Let them eat cake! Even coeliacs and others with allergies!”

December 8, 2014 Posted by | Food | , | Leave a comment

An Open Letter To Police Commissioner Adrian Leppard

In the article in Friday’s Standard with the front page headline, Force Banks To Fight Web Fraudyou say that the banks must fight web fraud.

I agree that banks must be forced to report all frauds to the Police.

As someone, who has analysed a lot of databases in his time, I know from experience with some of the best consultants in the City, that properly analysed these reports will uncover valuable patterns that will help police locate the perpetrators. The findings should result in sensible advice that would help both the banks and customers.

My worry is that the banks will introduce levels of security, that mean you have to do things like access your bank account with a dongle or install special protection software on your computer. This approach just means that criminals use the new restrictions as new ways to fool clients.

In my view, banks need to think deeply about adding new features to their banking systems for the benefit and protection of customers.

So what would I do?

1. A friend was robbed at a cashpoint and someone took his card and got him to give up his pin at knife-point. I think we should all have an emergency pin, that if typed into a cashpoint, indicates something is wrong. The machine keeps the card and perhaps gives out a minimum amount of money, saying that the client has no funds available.

2. We should be able to set a limit on payments, above which the bank sends us a text message, to say that we’ve just paid £220 to Marks and Spencer. So if say your card details had been stolen, you would at least get an early warning.

3. We should also be able to lock bank accounts. Say you were going away for a month and during that time, you would not be accessing your bank account. You would enter an extra password, which only you would know, that stopped access to your account until it was re-entered.

If banks were to think what customers actually want and not waste their time selling them junk products, we might get a banking system that was fit for purpose and very secure.

Banks should do other things.

1. Some of the work I know was done with my software, allows banks to profile how customers access their accounts. Are they doing enough in this area to fight crime? I doubt it.

2. Banks should also only use systems and programmers based in the UK, as this would mean that those responsible for any serious breaches or problems can have their collar felt.

Personally, I also always access my banking from the same computer, which stays locked in my house and has never left. Those that use apps on their mobile for banking deserve all the trouble they get!

 

December 8, 2014 Posted by | Finance, World | , | Leave a comment

Nigel -There Are Trains To South Wales

Nigel Farage is blaming his non-appearance at an event in Wales on immigration causing the jams on the M4. He said this on the BBC.

It took me six hours and 15 minutes to get here – it should have taken three-and-a-half to four. That is nothing to do with professionalism, what it does have to do with is a population that is going through the roof chiefly because of open-door immigration and the fact that the M4 is not as navigable as it used to be.

Obviously, if he travelled on the excellent train to Wales, he might have had to talk to some immigrants. Like I did on another train, where I chatted for an hour or so, to an Italian businessman, who moved here thirty years ago and married an Englishwoman a few years after.

I think I’ve met planks of wood with more real intelligence than Farage.

December 8, 2014 Posted by | Transport | , | Leave a comment