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  #61  
Old 09.04.2021, 14:10
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Re: Swiss payment systems

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Many years ago, before moving here I was driving trough Switzerland for the first time in my life. I was stopped at Basel to buy vignette. I asked for a 1 day or 1 week vignette. She said, we only have for 1 year, 38 francs please. I said, that is crazy, I'm in Switzerland for 3-4 hours. She said, if you don't like it - go back........
That was rude.
Actually all you need to do - still today - if you don't want to pay the Vignette: Avoid the highways.
(Expecting a rant - not by PanFastic - about the ridiculous Swiss highways now).

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.....When I first came here in 1980s, the Autobahn services at Glanerland only took credit cards in one direction, the other side took only cash for petrol. I could never remember which was which...


Okay, this country does give food to cabaret artists.

They were probably run by two different companies.
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  #62  
Old 09.04.2021, 14:11
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Re: Swiss payment systems

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Many years ago, before moving here I was driving trough Switzerland for the first time in my life. I was stopped at Basel to buy vignette. I asked for a 1 day or 1 week vignette. She said, we only have for 1 year, 38 francs please. I said, that is crazy, I'm in Switzerland for 3-4 hours. She said, if you don't like it - go back.
Those 38 CHF are not that bad. I joke that the vignette is the only cheap thing in Switzerland. Its' true, you pay directly zero in Germany to drive in the autobahn. But, the 38 CHF don't get you far in Italy and France.

But, things are changing slooooowly. From next year the vignette will be controlled by car plates and cameras. The technical capability of making temporal vignettes for people driving 1 day in CH will be there and I can take off that hideous thing off my car I guess this counts into what OP was writing about modernizing payment systems and verification of payment.
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  #63  
Old 09.04.2021, 14:20
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Re: Swiss payment systems

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Those 38 CHF are not that bad. I joke that the vignette is the only cheap thing in Switzerland. Its' true, you pay directly zero in Germany to drive in the autobahn. But, the 38 CHF don't get you far in Italy and France.

But, things are changing slooooowly. From next year the vignette will be controlled by car plates and cameras. The technical capability of making temporal vignettes for people driving 1 day in CH will be there and I can take off that hideous thing off my car I guess this counts into what OP was writing about modernizing payment systems and verification of payment.
Funny thing is the Swiss themselves voted for it.
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  #64  
Old 09.04.2021, 14:23
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Re: Swiss payment systems

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Funny thing is the Swiss themselves voted for it.
It keeps a lot of drivers out, less congestion for 38 CHF? Make it 1000 please.
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  #65  
Old 09.04.2021, 14:36
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Re: Swiss payment systems

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When I still had a landline, my phone was able to take and send sms from the landline number.
Did you ever check on that possibility? Your land-line provider can tell you whether they support sms on landline but I guess these days they all do.

I still got two Gigaset phones including manuals in German, French and Italian (gosh I have to stop hoarding things ) I would happily donate to you.
Ours are Gigaset ones anyway. Don't think they support SMS, but I'd have to check the manuals.
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  #66  
Old 09.04.2021, 14:40
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Re: Swiss payment systems

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Ours are Gigaset ones anyway. Don't think they support SMS, but I'd have to check the manuals.
AFAIK Swisscom stopped supporting landline SMS a few years ago
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  #67  
Old 09.04.2021, 14:53
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Re: Swiss payment systems

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Those 38 CHF are not that bad. I joke that the vignette is the only cheap thing in Switzerland. Its' true, you pay directly zero in Germany to drive in the autobahn. But, the 38 CHF don't get you far in Italy and France.

But, things are changing slooooowly. From next year the vignette will be controlled by car plates and cameras. The technical capability of making temporal vignettes for people driving 1 day in CH will be there and I can take off that hideous thing off my car I guess this counts into what OP was writing about modernizing payment systems and verification of payment.
The new e-vignette is expected to be introduced in the course of 2023 – any info about how plates/camera surveillance is expected to work? https://www.ezv.admin.ch/ezv/en/home...vignette-.html
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  #68  
Old 09.04.2021, 15:06
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Re: Swiss payment systems

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The new e-vignette is expected to be introduced in the course of 2023 – any info about how plates/camera surveillance is expected to work? https://www.ezv.admin.ch/ezv/en/home...vignette-.html
Last I read about it was Dec 2020 https://www.24heures.ch/vignette-ele...s-283005056753

So, another delay?
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  #69  
Old 09.04.2021, 15:46
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Re: Swiss payment systems

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The new e-vignette is expected to be introduced in the course of 2023 – any info about how plates/camera surveillance is expected to work? https://www.ezv.admin.ch/ezv/en/home...vignette-.html
Well,hang on, TIS.
Did the data protection officer agree with it?
Lots of time for a referendum until 2023. After all, they will know who was where when how often .... while they're at it they can check the speed (time you need from one camera to the next will easily give you away).
A friend told me they are working on a system that can control the loudness of your car like they can check your speed. Sounds very futuristic but I wouldn't be surprised if they sussed out how to do this some day soon.

All these things Swiss don't like.
And all these "Wochenaufenthalter" who claim they spend their week-ends at the place they pay taxes, yet are as a side effect proven not to.

Tom will like it as it is one per number-plate (no longer per car).
The article Axa linked says there will be a choice, so it might get through though. On the other hand they will need to record all cars in order to check whether they got an electronic vignette. And what about the others? They get a letter every time (some a few every day, LOL) demanding proof of a valid vignette? And who's gonna pay for this newly established pen pal correspondence between sticker-drivers and the authorities? The taxpayer? Preferably the green ones on bicycles?

If OP read this, he probably fell into a deep depression by now. Or bought a ticket out of here.
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  #70  
Old 09.04.2021, 16:21
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Re: Swiss payment systems

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Well,hang on, TIS.
Did the data protection officer agree with it?
Lots of time for a referendum until 2023. After all, they will know who was where when how often .... while they're at it they can check the speed (time you need from one camera to the next will easily give you away).
A friend told me they are working on a system that can control the loudness of your car like they can check your speed. Sounds very futuristic but I wouldn't be surprised if they sussed out how to do this some day soon.

All these things Swiss don't like.
And all these "Wochenaufenthalter" who claim they spend their week-ends at the place they pay taxes, yet are as a side effect proven not to.

Tom will like it as it is one per number-plate (no longer per car).
The article Axa linked says there will be a choice, so it might get through though. On the other hand they will need to record all cars in order to check whether they got an electronic vignette. And what about the others? They get a letter every time (some a few every day, LOL) demanding proof of a valid vignette? And who's gonna pay for this newly established pen pal correspondence between sticker-drivers and the authorities? The taxpayer? Preferably the green ones on bicycles?

If OP read this, he probably fell into a deep depression by now. Or bought a ticket out of here.
Loudness of car radar: check!

It already exists: https://www.letemps.ch/suisse/ville-...automobilistes
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  #71  
Old 09.04.2021, 16:31
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Re: Swiss payment systems

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Funny thing is the Swiss themselves voted for it.
As usual, we, the gullible Swiss cowherds were hoodwinked! The idea was that the bloody foreigners would pay for the privilege of enhancing our infrastructure. At least a few decades later, the no longer slightly deluded local agricultural employees rejected an increase to CHF 100.00.
Who knows, perhaps Donald Trump stole his “the Mexicans will pay for the wall” from the us?
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  #72  
Old 09.04.2021, 17:33
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Re: Swiss payment systems

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No, I don't. Husband has one which we use if we must for 2FA stuff, but part of our problem is we - for unknown reasons - have very bad phone reception where we are and it's often very difficult to receive something like an SMS message. Also not all 2FA authenicators work properly. Last year I needed to use it for Discord and it took us several attempts over 3 days to finally manage it since Google's thing just didn't want to know so we used Authy instead.
You can run a TOTP authenticator (like Authy) on any computing device, even the PC you're actually using the web app on (this is unwise, of course, since it drives a coach and horses through the '2FA' part). You can certainly run it on another PC or laptop, a tablet, or even a phone without a SIM.
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  #73  
Old 09.04.2021, 17:59
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Re: Swiss payment systems

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You can run a TOTP authenticator (like Authy) on any computing device, even the PC you're actually using the web app on (this is unwise, of course, since it drives a coach and horses through the '2FA' part). You can certainly run it on another PC or laptop, a tablet, or even a phone without a SIM.
Still usually need a phone to do the initial set up for a site though. At least we did for Discord.
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  #74  
Old 10.04.2021, 01:55
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Re: Swiss payment systems

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As said I'm fine with introducing new features, but don't restrict them to mobile phone access only. Let people have a choice.
If I understand correctly, you have a choice - going to the bank, it's just that it isn't free/small fee that way.

Also, when they do a new system, keeping both old and new system running (and safe) would cause cost of that service skyrocket probably. A bit overemphasising to illustrate the point.

Development of new features cost, but keeping two systems in parallel is something no sane company wants for themselves.


On the topic of 'being modern' I must say I'm actually positively surprised by reading stuff how money is seen the next day.
In Germany it can take up to a week, but usually 2-3 working days between different banks.

Inside the same bank it was a bunch of hours or a day.
Even with having a power of attorney with my partner account I need to wait several minutes (like 10) for money to come from one to another account.

Coming from Croatia where in 2017 it was normal to see the transactions done in a few minutes (and earlier, but I forgot when they did it), where whatever I'd buy with a debit card would actually be debited immediately, German system was a huge shock (things paid in shops can take up to a week to show up on my bank statements, crazy).

Not to mention weird habits of having a service where for payment you give your bank account username and password (it's called 'sofort')
After I used it (since I didn't have credit card and no other payment option was available for me), I immediately changed my password and whole experience felt so surreal and weird and unsecure.

But I definitely hate this habit where I need to wait for days for transactions to show up in the system, especially since they 'reserve money' but don't care to share that with me, so since I don't track exact costs for each shop, and in a week I mean, I just forget, it's not easy job to juggle that.

And if you don't have enough money (since you don't have good overview), then they won't tell you there in the app, but will send you a letter by post. Not to mention that they don't care if you have money on another account, or to inform you that some company is currently trying to get the money let's say - using the notification in the online app if you're actually looking there.... Nah, letters and penalty for 'not having enough money and they tried several times'.

I'm happy to see that in CH things might be more logical
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  #75  
Old 10.04.2021, 06:24
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Re: Swiss payment systems

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I remember when mobile first started being used chum. Another point is why should I be expected to purchase a mobile phone when I have absolutely no need for one? I rarely make any calls so a landline is fine for me. Why should I be expected to fork out around CHF30 a month for something I'll rarely, if ever, use when the old options work perfectly well and it's just this thing called "progress" that makes everyone want to change to that and nothing else?

As said I'm fine with introducing new features, but don't restrict them to mobile phone access only. Let people have a choice.
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You aren‘t expected to fork out anything for a subscription. You can get a pay as you go SIM for free from plenty of the operators. I haven‘t heard of incoming SMS being charged for outside of the US decades ago and all phones connect to Wifi, so you don‘t need a data connection.
This. I mean seriously Medea, I am a bit shocked that you don't even seem know what Pay As You Go is? You could easily pay almost nothing per month and only use the phone for very specific things. It sounds to me like you have just convinced yourself that mobile pones are bad and have now built up some kind of neurosis about them.

Educate yourself, because it sounds like you are making life more difficult than it needs to be and essentially cutting your nose off to spite your face for some sense of pride and principle that do not even make logical sense in this context. Then there is just the basic safety aspects of having a mobile phone and being able to call people or services if you are in trouble or for loved ones to get a hold of you in emergencies.

Frightening.

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Not justified? I can actually google outdated swiss banking system and come up with statistics.

https://www.swissinfo.ch/eng/snb-sur...ptake/45188310

And yes, its not the banking system that is outdated, its the population. So basically everyone is arguing that its not justified is arguing that people like it here. What if for a second that what people like here is not modernized compared the the rest of the developed economies?
You are now starting to ramble without making logical sense. Major banks in CH do have modern online and mobile banking services... that's a fact.

The only thing Postfinance lacks for me, now that a Fenix 6 pro is permanently glued to my wrist, is Garmin Pay. However, that's a "nice to have", not a necessity.

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  #76  
Old 10.04.2021, 07:14
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Re: Swiss payment systems

I think we are feeding a troll, again.

Funny how he complains about what he doesn’t like, but doesn’t tell us what he does want.

And as far as comments like ‘It’s much better where I come from’, the only response is ‘Please go back there. Thank you’
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  #77  
Old 10.04.2021, 11:22
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Re: Swiss payment systems

Whilst maybe not being the most advanced in the world, I find the Swiss payment systems to be efficient and secure. When I see how many countries still use cheques for payments, where it seems all but impossible to make electronic transfers, I'm much happier here.
I've tried to use the German "sofort" system a couple of times, but it's never worked, probably because of the clunky technology and the company then transfers responsibility to a load of debt collection sharks. Never going to use them again.
Most of my regular bills go through the e-bill system, so no paper bills. Medical bills are still mailed in paper form, though my health insurer now accepts electronic claims. However, in general the medical business is still in the stone age, after all doctors still send faxes to each other.
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Old 10.04.2021, 11:31
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Re: Swiss payment systems

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Medical bills are still mailed in paper form, though my health insurer now accepts electronic claims. However, in general the medical business is still in the stone age, after all doctors still send faxes to each other.
That might depend on your GP? Haven‘t seen a paper bill in a long time. Appointments can be done online and communication is also done by email, if you give your consent, also for ordering medication.
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Old 10.04.2021, 11:37
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Loudness of car radar: check!

It already exists: https://www.letemps.ch/suisse/ville-...automobilistes
And the fines should be doubled on Sundays and public holidays.

If I can’t run my lawn mower the kid next door shouldn’t be burning rubber.
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Old 10.04.2021, 12:09
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Loudness of car radar: check!

It already exists: https://www.letemps.ch/suisse/ville-...automobilistes
Thanks for that link. I did not see your post until bowlie quoted it.
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