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As for the the upkeep of the banks maintenance and op ex costs, integration with card providers, regulatory requirements and so on if we just pulled out of the banks which charge the most would it create a cheaper provider thus bringing down the hidden/extra cost that we are being billed for?

There are plenty of payment service providers competing in the space but ultimately they are not banks (they are have no banking license and regulated differently), so they are intermediaries and cannot offer additional banking services which are needed e.g. accounts.

Ultimately it's the same issue, someone has to pay and unfortunately that gets passed onto the customer in most cases. Modernisation programmes for banks and new providers make it easier to maintain platforms but ultimately the majority of ongoing cost will come down to keeping ahead of constantly moving regulatory, fraud and cyber security.

I'm not sure why they do if the system is up and running, it shouldn't cost the punters at this stage!

Seriously? You have maintenance and op ex costs, integration with card providers, regulatory requirements, AML, constantly moving target in cyber security etc....

Payment systems are complex. Someone has to pay for it and was alway gonna get passed onto retailers and customers while deposits are low.

Paddy Cosgrave is the biggest grifter you will ever meet plus an absolute knob jockey too. The irony is he basically had to resign and fcuked Web Summit for one of the least false things he has probably ever said.

He is absolutely despised in the tech industry and I wouldn't be shedding any tears for him. Used web summit resources for his personal vendettas with history of not paying people. Unfortunately the people who work for Web Summit will bear the the brunt of this if this it all collapses but he'll continue to grift with the other tech bros.

The Web Summit was no big loss to Ireland despite what you are told and Government were right to tell him to fcuk off. It's a joke of a conference anyway at this point.

IMO Bilbao just as good as San Sebastián, minus the beaches, and a good bit cheaper. Probably a better place to base yourself if you want to see a bit more of the region.

Been quite a bit but I generally try to get a match in too so probably why I prefer it.

Golf is one of the few sports i cant really warm to, the Ryder Cup 'competitive' element just seems so contrived when you follow sports where hair & teeth are flying regularly. Mcilroy obviously gets so wound up about it all, a few derby slaps when younger might have changed his outlook on life, tho I'm sure he's quite happy with his current life trajectory.

So is interclub golf is contrived or US college golf is contrived? Team golf is quite common at amateur level. Can get nasty enough too at times 

I do get the Europe thing does feel a bit hard to get behind. Then again all Irish professional franchise Rugby and the international team is contrived as fcuk. Still I'm on the bandwagon 

unreal from harman under pressure the last 2 days

a masterclass in controlled golf, if that was tiger everyone would be drooling (like 06)

the crowd and media were desperate to get him beat but that showed great mental toughness to front run like that for 36 holes

Under pressure 5 up and 6 or so up? You are really trying your best to be stupid. You've stupidity that is beyond the pale!

The lowest round of the day was 67. FFS, he'd have to shoot mid 70s to bring the rest into it yesterday.

He was absolutely blessed with the putter on back 9 Friday and Saturday too. Could have easily made 4 to 5 bogies but when you eye is in. 

no, your just being a w**ker.

I see you logged in from one of your other accounts.

[O'Connell street is a no go area.]

Hard to love Dublin. Everything costs a fortune. O'Connell street is a no go area. Lots of undesirables. Wee bit like NYC and Times Square in the 80s & 90s. Does Dublin have a Mayor? What is his or her role and responsibilities? Hard to eradicate crime but tourist spots should be free of litter, piss and crime.

Pure hyperbole

Absolutely not. The last time I walked down it we were staying in The Gresham with the kids and some friends from America. Homeless, Drug addicts, stench of piss, litter strewn everywhere and the line at the GPO for I assume food parcels. It was early evening 5pm or so and we felt genuinely unsafe.

Sorry that made you feel unsafe 

Don't be a w**ker.

 

Someone called you out and that's the best you can come up with.

[O'Connell street is a no go area.]

Hard to love Dublin. Everything costs a fortune. O'Connell street is a no go area. Lots of undesirables. Wee bit like NYC and Times Square in the 80s & 90s. Does Dublin have a Mayor? What is his or her role and responsibilities? Hard to eradicate crime but tourist spots should be free of litter, piss and crime.

Pure hyperbole

Absolutely not. The last time I walked down it we were staying in The Gresham with the kids and some friends from America. Homeless, Drug addicts, stench of piss, litter strewn everywhere and the line at the GPO for I assume food parcels. It was early evening 5pm or so and we felt genuinely unsafe.

Sorry that made you feel unsafe 

[O'Connell street is a no go area.]

Hard to love Dublin. Everything costs a fortune. O'Connell street is a no go area. Lots of undesirables. Wee bit like NYC and Times Square in the 80s & 90s. Does Dublin have a Mayor? What is his or her role and responsibilities? Hard to eradicate crime but tourist spots should be free of litter, piss and crime.

Pure hyperbole

[Like a lot of things in education, traditionalist, classist bullshit.]

Was at uni in the 80s and luckily did a vocation  degree which has led me to having a good life but times have changed .
Daughter graduation  was at start of summer and the reality struck that uni is now a money making exercise .
60% we're foreign nationals who queens are simply extracting cash from.
A lot to be said for apprenticeships but even that's a mess , why does a kid need English and maths gcse to become a brick layer or joiner .

I couldn't agree more. GCSE Maths and the weight given to it is a sham. Virtually all of it is entirely redundant to the vast majority of people. Much of it is redundant to everyone. Who the hell needs to know highest common factors?
Like a lot of things in education, traditionalist, classist bullshit.

I'll never forget the amount of time we spent in primary school learning mental arithmetic. "You'll need this if you work in a shop" I was told, by teachers who still had memories of a shop being a small room where someone handed you stuff from the shelves behind them and told you how much you owe after calculating it mentally. I almost never use mental arithmetic these days, for anything.

The reading and writing though, I'm glad we spent a lot of time on that. It seems to have aged well, and I get irritated by the lack of intelligible grammar that I see people broadcasting online. There are times when I get text messages from people that I can barely understand because of the lack of complete sentences.

Sure that happened   

When's the last time you calculate time or check your change when paying? You're using the skills and techniques almost every day without realising. It also promotes development of problem solving skills and recall. Such spoofing.

If you take IT as well and you look at how changeable it is - a degree studying a load of stuff now may be irrelevant in a year or two's time.

Sorry but the computer science and software engineering fundamentals haven't changed in decades. New technologies and applications of those fundamentals may come (not in a year or 2) and go but it's no different to having to learn or retrain.

Understanding Functional, Object-Oriented and Procedural Programming; testing techniques (don't get me started on Devs not writing tests); software design patterns; algorithm design; networking; OS's, encryption etc... are way more important than being able to cobble together a few applications in whatever javascript framework is flavour of the month.

2 episodes into The Silo on AppleTV, very very promising. Dystopian / Mystery / Sci-fi

The season 1 finale was superb. How to do sci-fi properly.

Let's hope they've the good sense to leave it at one series. The principle behind the show seems to have a Lost-style potential for endless nonsense.

It's based off a series of books and pretty true to source material. Not sure why they would leave it at one season.

While the Vision Pro is probably the best AR hardware yet, it's still too cumbersome, intrusive and expensive. It's only when this can be shrunk down to something can be worn all day and as intrusive as wearing glasses that it will be a game changer.

[Scary how this will evolve.]

https://twitter.com/tim_cook/status/1665806600261763072?s=48&t=RYtl0Il2l5K_ejkHKyVHiA

That's Black Mirror right there. Scary how this will evolve.

Do elaborate

Did you ever read the Better than Life episode of Red Dwarf?

Christ it's nothing like that