“Want to shop online? Best have a mobile signal” (so that locks out many rural areas)

“As millions start their Christmas shopping online, there’s a warning that consumers may need to have a mobile phone, and a decent signal, to make sure their transactions go through.

UK banks are starting to introduce a new layer of security, involving passwords sent to your mobile phone.

That could be a problem for hundreds of thousands of householders without a mobile, or no proper signal.

Now banks are being urged to find other ways to check a customer’s identity.
The new rules are part of an EU directive – already adopted by the UK – which is due to come into force by September 2019.

But critics say many people are likely to be inconvenienced.

“Banks are not yet great at looking after people at the margins – because they’re disabled, or because they live with no mobile coverage,” said James Daley, the managing director of Fairer Finance.

“These systems are designed for the 95% – while the remaining 5% are hung out to dry.” …


One thought on ““Want to shop online? Best have a mobile signal” (so that locks out many rural areas)

  1. I can vouch for this – in our house we have an intermittent signal – we only get mobile coverage about 25% of the time. And we live only about 1 mile outside Ottery St. Mary. Think about rural properties which are literally miles from the nearest town or main road.

    I am presuming that the banks will say that face-to-face transactions in a bank branch is the alternative, but with branches closing in droves that is becoming increasingly difficult as well.

    I don’t recall seeing any consultation about the impact of proposed regulations on rural communities or the disabled.


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