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  • So Edge? One step forward but…

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    • This topic has 22 replies, 13 voices, and was last updated 1 month ago.
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    #2404065

    Just a reminder, this week’s newsletter is a special edition and the full contents can be viewed by both Plus and Free subscribers as well as anyone w
    [See the full post at: So Edge? One step forward but…]

    Susan Bradley Patch Lady

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    • #2404077

      BNPL?  Buy now Pay later isn’t the greatest thing for you to do.

      Yeah, I feel you up. (*)

      Very good way to lose oversight of your running debts and recurrent subscriptions.

      P.S. (*) I hope this is the correct american idiom to say I understand you.


    • #2404086

      Yeah, I feel you up. (*)

      I don’t know about American idioms, but in British English that would be a great way to get your face slapped, especially if said to a lady

      As to the newsletter, it was nice to be able to sample it as a non-subscriber, but I was more than a little surprised to see a number of advertisements embedded in it (which Adblock Plus allowed through). Is that the norm with these newsletters?

    • #2404102

      Apple’s BNPL : Apple Introduces New MacBook Upgrade Program for Business Partners

      In association with CIT as the financing partner, Apple has launched a new Mac Upgrade Program for small businesses and Apple business partners that allow companies to easily distribute and upgrade their fleets of MacBooks at an affordable price to all of their workers..

      As outlined on CIT’s website, shared by Max Weinbach, Apple Business Partners can distribute the 13-inch MacBook Pro, 13-inch MacBook Air, 14-inch MacBook Pro, and 16-inch MacBook Pro to their staff for only 3% of their retail list prices as monthly installments.

      The new 14-inch and 16-inch MacBook Pros are offered at $60 and $75 per month, respectively, while the 13-inch MacBook Pro and ‌MacBook Air‌ are offered at $30 and $39 monthly payments….

    • #2404123

      It might be an option that one could CHOOSE (or NOT).
      But it should NEVER be built into a browser that is integrated into the Operating System and that  you cannot remove/uninstall. THAT SHOULD BE ILLEGAL!!!!

      4 users thanked author for this post.
    • #2404126

      Edge: The QVC of browsers.

      Group "L": Linux Mint

      1 user thanked author for this post.
    • #2404133

      Hi Susan:

      There’s an interesting comment <here> from JemmaScout posted 17-Nov-2021 below that Microsoft Introducing Buy Now, Pay Later in Microsoft Edge blog entry who notes that there will be a $4 flat fee for using BNPL, which they calculated was equivalent to a 250% APY (annual percentage yield) on a $35 purchase. Very disappointed to see that Microsoft is even considering offering these predatory BNPL loans from third-party partner Zip in MS Edge.

      I was appalled when NortonLifeLock added Ethereum cryptomining to their Norton 360 security products (and started skimming 15% of the pool of mined cryptocurreny as profit per their 20-Jul-2021 announcement Introducing Norton Crypto!), but it looks like more and more “reputable” software companies are willing to do anything to increase their profit margin these days.
      ———–
      Dell Inspiron 15 5584 * 64-bit Win 10 Pro v21H1 build 19043.1348 * Firefox v94.0.2 * Microsoft Defender v.4.18.2110.6-1.1.18700.4 * Malwarebytes Premium v4.4.11.149-1.0.1513

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    • #2404161

      Hey, it’s a great idea!  In fact, I think Micro$oft should bake in a “Payday Loans” feature into Chredge.  Just sign over your next paycheck and they’ll give you a short-term loan (cash!  right now!) that will perpetuate the cycle of debt.  And here’s an acronym M$ can use, free of charge: BNPF (Buy Now, Pay Forever).  Does M$ know that this type of feature will target people who are poorer and less educated?  Do they care?

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      • #2404257

        Thee who owes nothing is rich, my dad says.

        Every subscription or invoice is a golden bar to your self-made jail 😉

        Martin,

        Who is gaming the bank by purchasing everything with his credit card for cash rewards and paying it completely every month. Free money I get, taken by the bank from someone else’s pockets. (All their money comes out of someone’s pocket after all!)

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    • #2404162

      It might be an option that one could CHOOSE (or NOT).
      But it should NEVER be built into a browser that is integrated into the Operating System and that  you cannot remove/uninstall. THAT SHOULD BE ILLEGAL!!!!

      While this is understandable from a personal point of view, I don’t see what law(s) Microsoft is breaking by incorporating this feature.  It is stupid to be sure but not illegal.

    • #2404830

      Microsoft might find itself in hot water over this bundling in countries outside the US, where BNPL services are quite discouraged by the govt. If they just do it for the US, fine, but the EU likely won’t like this.

      Does the US Justice Dept simply no longer bother with antitrust behaviour any more?

      No matter where you go, there you are.

    • #2406809

      Washington, D.C. is ratcheting up the pressure around the payments craze that is buy now, pay later.

      The Consumer Financial Protection Bureau has opened up an inquiry into the model more commonly known as BNPL and is now asking five of the biggest providers in the space—Affirm, Afterpay, Klarna, PayPal, and Zip—for information about the risks and benefits of their offerings.

      In a statement announcing the probe, the CFPB named several concerns about BNPL offerings, including whether the ease of them is allowing consumers to pile on more debt than they can handle, if BNPL lenders are appropriately considering consumer protection laws in creating and operating their products, and how they are handling, managing, and using consumer data.

      At the same time, regulators in Washington, D.C. have grown concerned about the potential risks that lie in the structure. Just a day before the CFPB launched its inquiry, a group of high-profile Democratic Senators, including Sens. Sherrod Brown of Ohio, Elizabeth Warren of Massachusetts, and Chris Van Hollen of Maryland, posed similar concerns in a letter to Chopra (a long-time aide to Warren).

      “While the emergence of BNPL as affordable small-dollar credit has potentially provided an alternative to more costly forms of credit, these products also have the potential to cause consumer harm,” the Senators wrote.

      A spokesperson for Zip did not immediately respond to Fortune’s request for comment.

      ‘Buy now, pay later’ companies Affirm, Afterpay, Klarna, PayPal and Zip get caught up in CFPB probe

      Windows 10 Pro version 21H2 build 19044.1499 + Microsoft 365 (group ASAP)

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    • #2407993

      I’m NOT so happy with their planned Buy now Pay later offering that is in beta. There had better be a way to block this on ALL platforms and not just Enterprises.

      Buy Now, Pay Later can be disabled in Edge settings:

      Customers that wish to turn off buy now pay later option at checkout can type edge://settings/payments into the Microsoft Edge address bar, and select turn off Shop Buy now, pay later option on sites when you shop.

      [Not yet in Stable release channel; version 98 expected January 2022]

      How buy now, pay later works [in Microsoft Edge]

      Windows 10 Pro version 21H2 build 19044.1499 + Microsoft 365 (group ASAP)

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      • #2408061

        Finally they are documenting it.  But they still shouldn’t be pushing it.

        Susan Bradley Patch Lady

        1 user thanked author for this post.
    • #2408062

      “Thie feature is not available for work or school accounts (Azure Active Directory (AAD) customers).”

      yeah you know that your business folks will scream bloody murger.

      Susan Bradley Patch Lady

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    • #2408076

      From the FAQ:
      “I’m a merchant, I don’t want my site to have this option, is there a way to opt out?
      Yes, please contact Microsoft support to opt out.”

      So, as usual, MS forces people to waste time and effort trying to opt out of sonmething they never asked for in the first place, instead of doing the right thing and leaving things as they are unless the person decides to opt in. Typical MS.

      Windows 10 Home 21H1, non-techie

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