SpaceX is already indicating their strategy on this, because they’re renting their last-gen data center to Anthropic and keeping the current-gen data center for themselves. Rinse and repeat.
UK Open Banking is a counter example to this argument. It’s been a huge success. Transfers between accounts are seamless, and I never need to authorize Plaid to maintain a permanent session in a headless Chromium instance reading my bank account. The APIs are well-defined, universally supported, and include authorization scopes for viewing balance, authorizing transfers, etc.
That said, I don’t do many p2p payments in the UK (mostly because I’m an adult now, not splitting every bill like I was in college). And I wouldn’t like to add every one of my friends to my banking transfer history. The UK is missing something like Venmo with wide adoption. I assume the kids these days mostly use features like Apple Cash or Monzo transfers.
Debit cards have scheme fees and interchange rates just like credit cards. Interchange rates for credit and debit cards in the EU are actually very comparable and both very low, which is very different from many other parts of the world (e.g. in the US, debit interchange is effectively a flat fee per transaction).
Visa and Mastercard make money on scheme fees paid to them by both issuers and acquirers (i.e. indirectly merchants), not interchange.
There's an indirect impact of lower interchange rates, as issuers will usually not be willing to pay more than 100% of what they're earning in interchange in scheme fees. Acquirers have no such implicit limit, though.
No, the complaint with Adobe is that if you cancel, they terminate access immediately rather than at the end of the billing period. There is no explanation for this other than a predatory one; they’re betting you’ll forget to cancel by the time your bill comes around. The immediate termination is effectively depriving you of the next N months of access for which you already paid.
This isn't true though. Again like with the annual plan people are confusing things. I just looked it up and checked a few reddit posts to confirm and heres what's happening.
If you cancel in the first 14 days they terminate immediately and refund you. After the 14 days the subscription is cancelled and you keep access until the point you paid for. If you signed up for an annual contract you have a cancel fee of 50% of the remaining agreed amount.
Your deceptive design link is literally outlining the plan discussed in the rest of this thread.
The first one in your deceptive design was:
Adobe: Unclear yearly subscription terms and cancellation fees
"Apparently monthly subscriptions, but you are signed up for a year. Cancelling early results in a 50% of remaining months subscriptions being applied as a cancellation charge."
Then you click through to look at it and the button the user selects says
Annual, Paid Monthly
Fee applies if you cancel after 14 days
With an information popup.
Scrolling through the rest all of it is them just selecting this option without reading the details then being upset when the Annual plan is an annual plan.
I have no clue why they decided to settle that lawsuit since they still have the same plan. I'm not a lawyer.
You are describing the current state of Adobe subscription. If you check out the post linked on the deceptive.design page [1], one of the replies states [2]:
after the original thread a year or so ago, team made a clearer way to show pricing options to give ppl/teams who buy an annual sub a discount w/o paying it all up front
So the clear language is new. And that doesn't touch on the losing access during the current billing period either.
> I have no clue why they decided to settle that lawsuit
Because they have changed their subscription page as part of the settlement. All the posters telling you how Adobe ripped them off are describing Adobe from before the settlement.
This screen shot is too heavily cropped for me to know exactly what the page explained. I'm going to go ahead and assume this was intentional on the part of the x poster. I've been using Adobe subscriptions on an off for several years so before this point and somehow manage to continue to be able to cancel.
Nowhere did anyone say people were unable to cancel. What they said was that cancellation fees were hidden, and that access to Adobe products was disabled as soon as a subscription was cancelled, even for periods that were already paid for.
>No, the complaint with Adobe is that if you cancel, they terminate access immediately rather than at the end of the billing period. There is no explanation for this other than a predatory one
This is exactly what Shutterstock does. What's maddening is that you can be getting a monthly charge, but are locked into a year contract. If you cancel, they'll continue to charge monthly but without being able to use the service. It's absurd.
Just dropping a note to say I’ve had the same monitor for a year and I absolutely love it. I don’t care about this seamless switching — I just use HDMI1 for Xbox, HDMI2 for my computer, and then swap hobby/work when needed. It’s also good motivation to turn off the work laptop when I’m done with the day.
The monitor is fantastic though. I’ve had no issues yet, knock on wood.
I do something similar with my ThinkPad and Steam Deck connected to different ports, and I change inputs and plug in a controller when I want to play a game then.
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