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Japan is living in the future that the 1990s dreamed of.
(startrek.website)
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this post was submitted on 28 Nov 2023
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Most of those negatives sound fine to me.
Yeah, like what's wrong with cash?
America doesn't really have a functional system for this yet either. It's a lot easier to just tap your phone on a brick and be done with it, but currently the tap method is pretty hit or miss. And bank transfers are atrocious - why do we pay venmo to do something that Korean banks just straight up do for everyone? In Korea you can just give someone your deposit number and with a couple buttons you send money easily/instantly.
You don't even have to go that far, Canada has interac e-transfers where you can send money by email. Directly accessible through the standard bank app/site. I haven't handled cash in years
Ew email does not sound like the place for cash transactions.
But yeah, most countries these days have instant bank transfers. The US is ancient when it comes to payments, "cashing your payslip" isn't a thing in much of the rest of the world.
In Australia you can send money via phone number or email (called payid) but it's not sent in an email or SMS, it's just that your number/email address is used as a unique identifier linked to your bank account. When someone pays you via either of those, the money gets directed into that account instantly.
And yes, being paid directly into your bank account is standard here and I would say really the only option for most jobs. I'm 35 and have never had a job that doesn't pay you direct to your account.
They likely mean their bank uses email as an identifier. So the bank asks you the registered email you'd like to send money to. Not that you're emailing cash or something like that.
Similar to zelle, a third party that fills the gap.
The email is like an id for your account. You can use your phone number. AFAIK if you link it email or phone number to your bank and someone sends you money to that email or phone number it doesn't actually text or email you. The money will be directly deposited into your account.
In Australia you can send money bank to bank for free, with practically instant transfers (though large amounts and first transfers from you to someone get a 24hr hold)
And you can use the person's phone number as the transaction target (instead of bank branch number and account number)
It's pretty nice, good for small business too, especially trades
Re: Australia: be aware that all normal bank to bank transfers are still min 1 working day transfer. Its FAST and Osko which bypass that with their own new network (up to $1000).
Not every bank is with Osko or FAST, and some are with one and not the other. Though I think FAST is fading away with Osko being dominant.
Re: phone number: or email address! It's great, especially if you have your own domain name. You can make different PayID email addresses for each account you have if you want.
Me and my mate have sent money to each other for kitty balancing on fishing trips, this year (about an hour ago) he sent me his share (high hundreds) and it was instant
We don't use phone number since we have had each other's bank details for ages
Osko/FAST: are fast BSB/Acct# transfers.
PayID: is an easy way to reference a BSB/Acct#.
Together, they are fast and easy, but they are not the same thing and are not required for one to be used to use the other.
Also, "high hundreds" is less than $1000 :-P
Theoretically the situation with bank to bank money transfers should be improving - the replacement for the ancient, slow ACH system went live a few months ago. Of course it will likely take several centuries for a critical mass of banks to support it, but there has been some progress at least.
Same in Brazil, i can send i think 10k to anyone in my contact using PIX that was created by the goverment and is opensource, i can pay with it too, there is other way too, but PIX is the easier, just need a internet connection
you can send using ramdom nunber, cellphone number, CPF, qr code, email, just need to configure the key that you want in you bank or bank app, and it just work without fees
I don't know much about Korea. Do they have laws limiting how much you can be tracked and marketed to?
My bank still sends me a text message and has no other means of 2FA options.
You'd think they'd be way more up to date on this "digital security practices" stuff. :|
I have a really slim wallet, which is only possible because I never have to use cash. Also cash is dirty. I can wash my phone once a week to keep it clean but I can't do that with cash (well I can but what's the point, and I'll get accused of money laundering /j). It's inefficient since you have to count your coins and bills and the cashier needs to do the same and then you have to check if you got the right change. You can also misplace cash, especially coins.
Meanwhile I haven't had to handle cash for like 6 years now except for extremely rare circumstances and it just feels way better.
It's not even accurate anymore. Cards are accepted in a lot of places.
It was absolutely true 10 years ago, though. It's inconvenient always needing to think about how much cash you need to bring, and having a pocket full of change because it's significant denominations.
Also, their banks are only open on weekdays and close super early. Bank lines were (are?) massive because everyone had to go at the same time due to work hours.
Annoying to deal with
...how? The only acceptable one (Even though I personally don't like it) is cash.
Fax sucks ass and should have been put in the grave LONG ago, Flash drives are superior to Floppy in every way and fuck paper filing, digitized paperwork is far superior.
If people actually upgraded from FAX, I would have completely agreed. What we have today is an abomination which doesn't work. Not even a week ago I had an issue with some paperwork where tax office required me to fill some form in PDF, then print it, then sign it, scan it and send it to them. I have a phone with a pen, so I did all of that and skipped few steps. Signed the document on screen. No no no no no. They didn't want that. They want my signature on paper which I never have to send them but my signature signed through screen is not good enough.
FAX is basically all of this with fewer steps and I can easily see why they wouldn't want to move away from it. It it works, don't fix it mentality. Luckily this trend is slowly going away, but damn. Not to mention same IRS office required me to generate a certificate which I can use to digitally sign documents. But I couldn't do this either, since they accept that only on some documents. A mystery.
As far as floppy disks are concerned, this is mainly for industrial machines. They are still a huge user. Those machines are not replaced every 2 years as they are more robust and made to last. So having a machine older than 30 years still working in industry is nothing new and considering upgrade costs literally millions, it's simply not worth paying that much money to upgrade to USB.
Lots of those floppy drives in industrial and lab applications (as well as the retro computing enthusiast space) are being replaced by things like GoTek devices, which are essentially floppy emulators with flash memory.
In some places, yes. But many are still not doing the upgrade as it would require technical person to do so, provide tech support, etc. All of that costs money. Whole industry is becoming very specialized place. Siemens still sells laptops with DB9 and other serial connectors just so you can access and program PLCs. And new USB based adapters to serial simply don't work. Sometimes they do, but most of the time they have issues with these specialized devices.
Floppy drives are the brontosaurus among these, excusive paper filing sucks too, but cash society and fax telecom is not that bad.
I mean these things can’t be that bad, Japan compete well on the world stage so whatever they’re doing is working fine. Can it be improved, probably. Does it need to be? Not yet
We use fax in the USA more than you'd think. I'd call that a wash.
Paper in your filing cabinet will never be messed with by a ransomware attack. Ransomware attacks seem to happen to businesses and hospitals just about daily here. I'm actually watching a news story on a hospital ransomware attack as I write this.
Floppy drives? Yeesh that one is a bit weird.
Yeah honestly living there for a while, I came around a bit on doing things by paper.
It's slower, certainly. But the Japanese are scary efficient at it, and there is a lot of infrastructure to support it.
And in the case where things go wrong or are confusing, at least you can take the forms and actually go and talk to someone, rather than staring at a computer screen that offers nothing.