Marcy_Stella @ Marcy_Stella @lemmy.world

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2 yr. ago

Also know that if you still want iCloud backups but want everything stored encrypted you can enable “Advanced data protection” which means that Apple doesn’t store the encryption key, you do need to setup a recovery method such as a recovery key or recovery contact however if you lose your device and recovery method your data is forever lost and Apple can’t help you like it can in standard data protection mode.

Also note certain sensitive categories such a health and passwords are always encrypted as it’s determined it’s worse for someone else to get access to that data then it is for the user to lose it meanwhile generally a user losing their photos and messages if they forget their password is worse then if a hacker resets the password and gets access.

If a user wants more protections there is “Advanced Data Protection” which fully encrypts all iCloud data however Apple knows you might lose your password or something so they require a recovery method before turning it on and make sure you know Apple won’t be able to help you if you lose your password and recovery method.

Also for certain sensitive data such as health data or passwords full end to end encryption is enabled even in standard mode as it’s determined it’s worse for someone else to get access to that data then it is for you to lose it where as generally losing your photos are worse then someone else getting access to them.

Discover can be near impossible to use internationally where as I’ve not run into anywhere that doesn’t accept Amex even internationally except for Costco but they don’t take Mastercard either

There is a ton of requirements they would have to meet due to regulations but they technically could however the question for management is if it’s worth the investment rather than getting a favorable deal with another bank. Goldman Sachs seems to be saying they just grew too fast, so another bank might be able to manage better such as AMEX.

It would mainly depend on local laws such as rebranding laws, its reported Apple has been having issues launching the Apple Card India because of the laws behind rebranding and that in India the banking details have to be on the bank side and from the banks site so it couldn’t be integrated into the wallet app. Also don’t expect the same cash back scheme outside the US as many countries limit the amount in fees a credit card can charge where the US doesn’t have a limit. So the EU limits the fees to 0.3% for credit cards.

Apple Pay Cash is actually run by Greendot bank and not Goldmans Sachs. Apple is bound by the local laws, the reason Apple Card gets the rewards as it does is because the US doesn’t have fee limits for credit cards like other countries do.