PhilLab @ PhilLab @feddit.org

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6 mo. ago

Meta? Die sind ja noch LLama!

Sorry, geändert

Wero's Data Processing Officer confirmed via email that they DO access the bank account:

We can confirm that the term “payment account” in our Privacy Policy refers to the bank account that you connect to Wero. This is the official legal term used in the applicable EU regulations.

When using the Wero standalone app, Wero may access both:

• the balance of the enrolled account; and

-the transaction history of that account for the past 90 days.

And they stated:

The lack of clarity in the FAQ materials likely stems from the fact that Wero is offered under two different models, depending on the bank:

Standalone app, operated by EPI Company SE (Wero is its trade name), acting as an authorised AISP and Payment Initiation Service Provider. In this case, Wero accesses the account balance and transaction history to display them in the app.

Integration into the bank’s mobile app, where Wero is provided only as a technical module. In this case, Wero does not access the account information described above, as this remains fully within the control of the bank.

Thank you for diving deeper into this topic. I see how you come to your conclusion - that would be a relief. However, if payment account is the Wero account, why do they need to store the "type of payment account" (they are not stating "type of payment source").

I also found an FAQ answer of a German bank, Postbank

Hat Wero Zugang zu Informationen über mich und meine Bank­verbindung?

We­ro kann le­dig­lich Ih­ren Kon­to­stand und Ih­re We­ro Zah­lun­gen an­zei­gen [...]

Archive.org link, in German only , translates to

Does Wero have access to information about me and my bank details?

Wero is only able to display your account balance and your Wero payments [...]

Again, it is not 100% certain, but answering about "account balance" when being asked about bank access does sound like my bank account balance. But it could also be the Wero account balance (if there is such a thing?)

Maybe I am hearing the grass growing here. I do wish Wero to be a success, but it does feel more intermingled with the internals of my bank account than I'd like it to be

But the document states that this type of data is also stored:

Information about your payment source (account holder name, type of payment account, technical identifier of the payment source)

So I would understand "type of payment account" to be the type of your bank account. Hence, payment account == bank account. But it is unclear.

Some banks require to install the Wero app.

Yes, it will!

F-Droid fände ich auch super! Ist ein Open Source Projekt und in der Hand der "community". Erste Voraussetzung dafür ist, dass die app selbst als open source veröffentlicht wird. Und da kommt dann auch der erste handfeste Vorteil zum Tragen: Die Builds müssen reproduzierbar aus dem Source Code erzeugt werden, sodass man sich sicher sein kann, dass die installierte App auch dem veröffentlichten Code entspricht. Das kann man bei anderen Appstores nicht.

Im Referendariat fürs Lehramt lernt man sogar, dass es bis jetzt nicht gelungen ist, einen wissenschaftlich belastbaren Vorteil von Hausaufgaben nachzuweisen. Daher soll man ab der 8. Klasse "möglichst vermeiden" welche aufzugeben. Warum diese Handlungsempfehlung nicht auch schon für untere Klassen gilt, wurde allerdings nicht klar. Vielleicht weil dort die (angenommene) Zeitverschwendung angesichts weniger Nachmittagsunterrichts nicht so ins Gewicht fällt wie in höheren Klassen?