MONEY: ZELLE’s use case doesn’t fit me at all

Monday, June 9, 2025

https://www.zellepay.com/

What’s Zelle®?

Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do1. That means it’s super easy to get paid back, or split the costs of things like dinner. With Zelle®, the money goes directly into your bank account. And when money goes into your bank account directly, you can live delightfully. Zelle® is already in lots of banking apps, so look for it in yours today.

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So, it all works great  —  sort of — if you have one bank, one cell phone, and one email account.

What happens when you have Bank#1, Bank#2, Bank#3, and one cell phone?

Chaos!

I’ve had to enroll in Zelle three times.  Bank#1 and email#1, Bank#2 and email#2, and Bank#3 and email#3. Good luck keeping that all straight.

Argh!

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SECURITY: Passkeys don’t solve every security problem

Tuesday, March 21, 2023

https://www.reviewgeek.com/148254/why-you-should-start-using-passkeys/

Why You Should Start Using Passkeys
Danny Chadwick
Mar 16, 2023, 2:55 pm EDT | 5 min read

*** begin quote ***

Passwords have been our first line of defense against hackers since the 1960s. But, now they’re showing their age and limitations in the 21st-century data wars. Not even password managers are safe. Passkeys are now here to help. Here’s why you should switch and enjoy a more secure digital future.

*** end quote ***

Passkeys solve the “password” problem for only one use case.

Use cases are programmer speak for how the application interacts with the User.

If you’re the average plain vanilla User, then they are fine. 

But, if you access the application from different hardware, then you can’t use a passkey.  

Apple shares the passkeys in its walled garden, so that is another use case addressed.

I’m not sure how Google / Android addresses the use case of a different platform usage.

Having password managers storing the passkey may solve the problem but defeat the concept.

IMHO

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