The value proposition of Final is pretty low. Fraud on CCs is pretty much inconsequential. If one of your cards if compromised, report it and use another card. "Virtual" cards aren't really a benefit. Vendor-specific cards are already around (Amazon, Bloomingdale's, Costco, etc) and provide benefits in addition to being a targeted card. Vendor-specific cards also help your credit score.
- 18% APR? (interest rates are near 0%; my worst card is 17%)
- 1% cash back (my worst card is 1.5% back, best is 5%)
- $49 annual fee? (None of my cards have annual fees)
Great work on the features and UI for the service, but you need a better banking partner. The product is unremarkable.
I dream of the day where I'm not followed around by my data exhaust. It's just wishful thinking.
I feel that the marginal benefit of social media systems has peaked. It's begun to make interactions less human and less personal; the gain over using email is negligible. I don't need to see your picture, I just want to know when I'll have VPN access.
Do you work at my company? This is what I experienced last year on a project being run by another team's lead developer. The system that was so poisoned with needless functional abstractions that the codebase was barely comprehensible (monoids, kleislis, higher-kinded types, dynamic types(!)). It's utter fucking rubbish. He practically mounts an invisible pulpit when he talks about why these abstractions and constructs are the "right way" and "the future." I don't know how he got "lead" in front of his title. Pretty much every junior in our group is more productive than he is.
The only consolation is that the system in question hasn't entered production yet, and probably won't for at least a year at the rate it's progressing.
- 18% APR? (interest rates are near 0%; my worst card is 17%) - 1% cash back (my worst card is 1.5% back, best is 5%) - $49 annual fee? (None of my cards have annual fees)
Great work on the features and UI for the service, but you need a better banking partner. The product is unremarkable.