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Archive for the category “Technology”

Something New

Over the last week or so, I’ve been trying something new (well, new-ish) in the financial sector – Monzo.

I’ve been aware of a few of this type of “new banking” start-ups of late, but Monzo interested me when I read this article that talked about how closely it kept track of payments, and their whole customer service set-up.   In my own experience with banks, it’s customer service that is their greatest weakness, so I’m interested in how other ‘non high-street’ new financial organisations address it.

At the moment it’s “only” a pre-paid credit card option, driven entirely through a smartphone app – but they’ve got their banking licence, and are aiming to be starting a current account as well, again all driven through smartphone apps.

So far, the experience has been pretty good. (Note – for purposes of this, I used my iPhone – I can’t say anything at all about the Android version) I got the app through the App Store, and went through the initial stages.  Basically, just a name and date-of-birth for verification purposes, and then they order your card.

This took some time – but the expectations were managed all the way through, showing the queue of applicants, where I was in that queue, how many people were before me, and how many after.   Now, my cynicism kicks in slightly here, as I noticed that the number of applicants always stayed around the 25,000 mark, so it *could* just be a steady flow of incoming customers, or it *could* be all smoke-and-mirrors guff to make me think they know what they’re up to.

It took about four days to get to the top of the queue (I could’ve jumped places if I’d promoted Monzo on social media, but frankly, fuck off) and once that happened, I got a notification to say so.  This was where the identity stuff came in, and needed address details, plus an in-app photo of driving licence for proof-of-address, and a 5-second video to prove I’m real.

I’ve done an initial top-up (of a completely manageable amount – if the entire thing turns out to be a scam, I won’t be screwed) and the card has been sent to my home address. It’s due to arrive today, at which point I’ll have to connect it to the app – slightly annoying, as surely they know all the necessary details already – and then it should be ready to go.

I’ll write more about it in a month or so, once I’ve used it and seen how I feel about the entire thing.  So far, though, it’s been an interesting and positive experience – I hope it continues to be so!


Yet again, my home broadband connection has gone to pot over the weekend.

It’s an ongoing problem – basically, there’s a leak in the outdoors part of my connection, so when it rains heavily, water gets in, and corrodes the connections in the master socket.  I start to know it’s going to be bad when any phone call I make (not that I make many on the landline, but still) starts to get crackly.  After a while, it then gets bad enough that the next ingress of water breaks things properly, and leaves my modem/router dropping the connection and reconnecting on an all-too-frequent basis.

In the five-and-a-bit years I’ve been in this house, I’ve had four master sockets. Now soon to be a fifth.

BT refuse to believe that this is the problem – this has been going on for ages, and they’ve done line checks etc., but won’t replace the outside part of the connection, for some reason.

So we go through the farce of doing fault-tracking, “We can’t find anything” and then booking an engineer to come out.  Every time, I get told “If it’s a problem past the master socket (i.e. with my own wiring) then it’ll cost £129.99 on your next bill”.  It won’t be with my wiring, because I’ve got precisely one socket, and one connector/splitter (also supplied by BT) on it.

Everything else will be fine, it’ll just be corroded connections in the master socket. Again.

This time, I’m going to aim to get the engineer to reinstall the master socket, but do so higher up the wall (so water doesn’t get in, as it can’t climb cables) or on a longer cable inside the house, so I can put it on a shelf or whatever, and again, let gravity deal with the problem.

The engineer’s coming out on Wednesday morning, so we’ll see what happens from there. It’d be nice (and really quite novel!) to have it sorted properly this time. But only time will tell whether that’ll happen or not.

Attention Span

Yesterday, there was a bundle of news coverage about Apple’s supposedly-upcoming “Cinema Mode” for iPhones and iPads as part of the next iOS release.

This will (again, supposedly) allow people in cinemas – and other darkened environments, one assumes – to check their phones without disturbing those around them, mainly through use of a ‘dark’ colour-scheme, so the display doesn’t glow like a lighthouse.

In fairness, this annoys me on a regular basis at the cinema – there’s always some fuckknuckle who wants to check stuff while ‘watching’ a film, leaving their phone’s volume up, or some other piece of vacuous self-centred idiocy. But really, a phone mode to cater for that?

It irritates me that so many people now seem to be utterly incapable of sitting for a couple of hours and watching a film. There’ve been a couple of films I’ve seen recently where it seemed like everyone else was eating popcorn (or sweets, or both) from rustling paper bags throughout the film, and/or then sodding off out to the toilet and whatever else.

As has been noted before, I really don’t understand people. I don’t get why someone would pay to see a film, spend even more on food and drink, then either not be able to sit through the film without breaks, or without checking their phones. If you’re going to do all that, why not wait til it comes out on disc/download/TV and watch at home, where you can pause, rewind etc., and not worry about missing bits while you go to drain your microscopic bladder?

Mind you, I also don’t understand why cinemas insist on putting all their food/refreshments in noisy paper bags. Surely there must be another option by now? A fabric version or similar? Or larger bags/tubs that allow hands in and out without touching the sides?

ReKindled (Again)

Just to top off a pretty expensive fortnight, while I was away over the weekend the Kindle broke. As with previous ones, the screen film cracked, so half of it is working and the other half isn’t. In short, fucked.

As it turns out though, I can’t be too annoyed (annoyed, sure, but not too annoyed) as it turns out I’ve had this one just short of three years. Considering that before that I had a spate of broken screens in less than a year, it could’ve lasted a lot less time.

Yes, I’d rather these things were more resilient, were designed to last longer than 18 months.

Anyway, it’ll be interesting to see how things have progressed with Kindles, and whether they’ve improved the ways to reload content onto a new device. It was horrific three years ago, so I’m hoping for improvements, it’s fair to say. (And if that doesn’t happen, I’ve got a backup from the old device – so maybe I’ll just be able to roll that onto the new one.)

We’ll see.

EE’s broken payments

As I wrote yesterday, I ended up having some major issues with the cottage’s already-installed 3G Dongle through EE.

Basically, it’s either not been used for a while, or the previous people ran the account into the ground – there’s absolutely no credit or data available on it.  That’s OK, you can connect to EE still and add a credit.  Or at least you should be able to.

Basically, the device is set up so that it can still connect to ee.co.uk , and that doesn’t come out of the data allowance. All’s well and good. But. Ah, but.

The thing is, when it comes to processing payments, the processing isn’t all done on ee.co.uk.  It also goes off to get the 3D secure (also known as “Verified by Visa” or “Mastercard [something]“) from the relevant bank.  Only that’s from a different (and thus not-allowed) domain outside of EE, and because there’s no data allowance, the connection is refused, and the credit transaction fails.

All you get to see on screen is “An error occurred” with “Try again”.  Which is… unhelpful.

What’s more unhelpful is that EE’s transaction system has pre-authorised the amount you’ve topped up by. So the funds are then locked by your bank. They’ll be released when the transaction doesn’t complete – but it can take two to three working weeks for that to happen, because banks are paranoid and slow and shit.  And EE are just shit, because their failed transaction doesn’t release those funds.

Even better, you can’t then offer feedback or contact EE. Because – yes! – all the online feedback is done through a third party, and goes off to a different domain.

So you’re basically left with no data, no top-up, locked funds, and no way to contact EE to tell them so.

Even worse, I suspect it’s only because I’m a techie that I understand it this much – for Joe Public it’d just be “it’s broken, and EE are shit”.  (Which isn’t something I could argue with either, but at least I can understand why it’s broken!)  It’s a simple scenario, but one I’m willing to bet they’ve never tested, going on the assumption that people would top up before they ran out completely, etc. etc.

I’ve written to them to explain the same situation, so it’ll be interesting to see what they come back with (if anything)

Mobile and Connected

This weekend, I’m away in Dorset, hoping to spend some time relaxing and writing, getting some of the stuff out of my head that’s been resident for way too long.

I’ve been to the particular place I’m staying before, and knew they had a semblance of internet connection (albeit through a 3G Dongle thingy) but when I got here, I found it’s not working properly. (It’s on EE, and because they’re shitheads, there are mega-issues when there’s no remaining data on the device. That’s a post for another day)

So anyway, while I’m wanting quiet, I do still need connection for a range of things. As a result, I went into the nearest town, and bought a MiFi device of my own which turns out to be working pretty well. Considering the location (in a valley, with next-to-sod-all anywhere nearby) I’ve got enough of a 3G signal (blipping up and down to a single bar of 4G) to keep things connected and fine.

It’s meant that as well as doing some writing, I’ve also been able to do some outstanding work stuff that needed completing, and all that usual stuff.

Indeed, it’s doing well enough here that I’ll continue using it, and be interested to see how it works in other places I go to over the next few months. Ain’t progress/technology interesting?

D4D Performance

This year, D4D’s performance as a site hasn’t been that great. I’d noticed a lot of times when pages timed out, or seemed to get lost along the way, but couldn’t find what was causing it, despite looking hard on several occasions.

Last week, I finally found what the problem was – and it wasn’t in something I’d done, which was nice. More importantly, it also wasn’t something that was showing up in code or settings – because it was a plugin that wasn’t doing what it had been told to, for whatever reason.

I’ve got a security plugin on D4D that’s supposed to take automatic backups, to add some safety and recovery to the site. That was set to take a backup every week, and to only store three backups, then overwriting the oldest.

Except that wasn’t what was happening. Somewhere along the line, something had gone wrong, and it turned out that it was taking a full database backup (with a different filename each time, so no over-writing etc.)  every fifteen minutes. Then storing them in a folder that was hidden away in a non-obvious location, with a non-helpful filename.

Even on a server that says it’s got unlimited space, that was taking the piss. It was making the server work extra-hard for no good reason, and causing a whole load of problems.

I finally found it all, and ended up both deleting the old files, as well as killing off the backup task completely. (I’ve written my own automated job now which is working fine, and not causing any problems. The moral of the story? Don’t trust other people’s code.)

Since doing that, I haven’t seen the site crash. I’m hoping that the problems are now fixed, the stability will improve, and that 2016 will be a much better year for D4D™

Fingers crossed.

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