Fintech firms will become digital layers around central banks, just like banks were physical layers

Central banks will create plug and play digital infrastructure (e.g. UPI, Aadhar) on which fintech products are built

Central banks will enable fintechs to replace banks

Just published 15,000+ words on security keys. 🔐📱💻

With SIM attacks at their highest, now is a great time to take a closer look at your online security.

Removing SMS from your two-factor auth is a start, but authenticator apps have downsides too...

https://t.co/Dk0MPJHL2V

Just look at these headlines from recent SIM swap and port attacks.

It's all too established for attackers to find ways to socially engineer control of your phone number and start gaining control of your accounts.

I first talk about some general security tips.

Unfortunately not all websites let you remove your phone number from accounts.

You may consider migrating your phone carrier to @googlefi , which requires email account access to do anything (and can be locked down with security keys and even Advanced Protection)

Beyond SMS, I talk about issues that TOTP authenticator apps (the code generators) have as a form of two-factor auth. They're so, so much better than relying on SMS for your second factor but they still have issues like utilizing shared secrets and lacking phishing prevention.

Enter security keys!

Utilizing public key cryptography they don't have any shared secret between the client and the server. They prevent phishing by taking the website domain into account.

Even if you get tricked by a clone phishing website, your key won't.

“Why are Tumblr and Facebook cracking down on sex so much? And why is Facebook in so over zealous about it? It’s all Apples fault!” Etc etc

I can explain all. It is largely the fault of a set of US laws called SESTA and FOSTA.

The Phantom of Heilbronn (or how for 16 years the German police hunted a serial killer who didn't exist)

(Thread, non sweary version here: https://t.co/iDOIhaFgIT)

Between the years of 1993 and 2009, police in Heilbronn, Germany were tracking just about the most elusive serial killer since Ted Cruz.

Known as the Phantom of Heilbronn, or occasionally The Woman Without A Face, she was implicated in so many crimes that the police eventually put out a reward of €300,000 for any information leading to her arrest.

The case that brought her to the media's attention and earned her two ridiculously badass nicknames

(honestly, if you don't want people to do murders you're going to have to come up with less glamorous nicknames - what's wrong with Jack Shitshispants or the Zodiac Cuck)