Why is there no “pay me directly” standard?

by @edent | # | 6 comments | Read ~146 times.
A tiny lego Storm Trooper eats a chocolate coin.

If you have a bank account, you probably have an IBAN – an International Bank Account Number. It is a well-structured text string which unambiguously identifies your account. A typical UK IBAN looks like GB33BUKB20201555555555 – with it, you can send money to that account from any bank in the world. OK, some banks make…

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Moneyed – a personal OpenBanking API

by @edent | # # # # # | 3 comments | Read ~178 times.
API Token generation screen.

After writing about how to use MoneyDashboard’s unofficial API, the good folk at Moneyed told me about their officially supported API! So here’s a quick review & howto guide. Moneyed is a slightly strange service. I think it is designed for companies to give as a benefit to their employees. But you can sign up…

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Unofficial MoneyDashboard Neon API

by @edent | # # # # #
A tiny lego Storm Trooper eats a chocolate coin.

Yesterday, I wrote up how to use the MoneyDashboard Classic API. Read that blog post first before reading this one. MoneyDashboard have launched a new “Neon” service. The API is a bit more simple, but authentication is harder. Here’s a quick guide to the bits of the API that I found useful. I’ve lightly redacted…

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Unofficial MoneyDashboard API

by @edent | # # # # # | 4 comments | Read ~601 times.
A tiny lego Storm Trooper eats a chocolate coin.

The OpenBanking specification is brilliant. It allows you to aggregate all of your financial accounts in one place. You can give read or write access to apps and services. Magic! API access is restricted to registered financial institutions. That’s good, because it puts up a barrier to entry preventing dodgy companies slurping up your data…

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Adding Web Monetization to your site using Coil

by @edent | # # # | 3 comments | Read ~181 times.
A tiny lego Storm Trooper eats a chocolate coin.

Recently, my blog was featured on Coil’s list of monetised content. I’d like to take a little time to explain what Web Monetisation is, how to get set up with it, and what my thoughts are. Quickstart Stick this line in the <head> of your HTML page. <meta name=”monetization” content=”$ilp.uphold.com/ieELEKD7epqw”> That’s it. You should replace…

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Forced into the FIRE

by @edent | # # # | 1 comment | Read ~232 times.
A tiny lego Storm Trooper eats a chocolate coin.

I’m an ambivalent convert to FIRE – Financial Independence Retire Early. The basic gist is: Minimise your expenditure, Save 20x your annual expenditure, Retire early while maintaining the same lifestyle. That’s it. There are a lot of crappy books about FIRE, but the concept is simple. So I try to spend a little less, and…

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Paying people for their attention

by @edent | # | 3 comments | Read ~181 times.
A tiny lego Storm Trooper eats a chocolate coin.

I have a weakness. I love listening in to other people’s conversations on the bus! I was sat behind a gaggle pride squad of teenage girls on the bus. They were variously complaining about their schoolwork, parents, and love-lives. I’m not going to attempt to recreate their vernacular, but the conversation went something like this:…

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I hate subscriptions

by @edent | # | 5 comments | Read ~379 times.

Look – I get why your app or service wants me to pay a subscription. Recurring revenue is useful for a business. Your ARPU KPI is OMG to your VC. And, no doubt, there’s research showing how people are more likely to eat a kitten than cancel a subscription. But I hate it. I resent…

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A (partial) list of vanity identifiers

by @edent | # # | 8 comments | Read ~266 times.
A tiny lego Storm Trooper eats a chocolate coin.

One of those things that organisations love to do is issue identifiers. My credit card provider issues me with a Customer ID, a Billing ID, a Reference Number, and an online login ID. All of which are different. And none of which match the embossed plastic card they sent me. The state also issues identifiers.…

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How often would you like to get paid?

by @edent | # # # | 6 comments | Read ~171 times.
A tiny lego Storm Trooper eats a chocolate coin.

In the UK, most professional jobs pay monthly. In the USA, it seems most professional jobs get paid every two weeks. This usually comes as a great shock when someone from one side of the pond finds out how poorly employment conditions are on the other side. Naturally, everyone believes their own way of doing…

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