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Hello has anyone used the money toolkit app to access your account?. On my iphone I have an official natwest app, which am sure is safe however a bit worried about this one cause it clearly states not affiliated with any bank.
Hi marvi0
I am Dan - founder of Money Toolkit, so obviously my opinion is not impartial
You are absolutely right to question apps like ours, and I wish more people were more diligent in this resect.
The biggest barrier to using any third party financial app is trust. For a small start up like ours, theres a bit of a catch 22 thing. The best way for people to trust our app is to see others using it, which means having enough early trail blazers use it.
I hope you do read some of the pages on our site regarding security - we have gone to very great lengths to keep you in charge of your credentials.
But this is still only our word. Probably the best thing to help increase your confidence is to look on our get satisfaction pages - (we cant delete messages, so it is an open conversation). Also check the comments on the Android market, again we can't even respond as the developer (which can be frustrating).
I hope others do respond on here, though we only have 500+ active users, so I would be a bit surprised.
There will always be some nervousness committing to our app, ultimately you have to go with your instincts - most people who see our app don't go on to enter their details, which is a shame in my opinion (obviously), because those who do find our app really useful.
Any questions, just ask.
Cheers.
Dan.
I have installed it and it looks pretty good
I have my fingers crossed regarding the security
Thanks for your reply so does this app actually allow me to view my natwest account information?
marvi0 said:
Thanks for your reply so does this app actually allow me to view my natwest account information?
Click to expand...
Click to collapse
it does yeah
you get an overview and then when you click on the account it drills down into the transactions
you cant see direct debits etc
also i wish you could change the theme, the wooden effect is a bit yukky, lol
but it does the job fine
also you have to manually log out or the app will run in the background, and if someone picks up your phone they can see the bank funds etc
winwiz - thanks for that.
You are not alone a few people don't like the wooden theme, so we are thinking of changing that.
The idea was that it continues the web site theme of being a work bench - continuing to follow the tool kit idea! We also didn't want to look like another boring bank, but probably it doesn't work that well on the phones.
Regarding logging out - we keep you logged in on purpose, (it will time out after 5 minutes) it is really annoying when you accidentally go back too far or want to swap to another app and have to log back in. Perhaps we should make that another setting?
some people even choose to keep their password remembered, and rely on the phones own security.
Remember this is a READ ONLY app, there is absolutely no way anyone could transfer funds, or make any changes to your bank.
We've got some nice things planned, like categorising your sending and graphs etc.
So any feedback or ideas really welcome - especially on the get satisfaction pages
Cheers.
MTK-Dan said:
winwiz - thanks for that.
You are not alone a few people don't like the wooden theme, so we are thinking of changing that.
The idea was that it continues the web site theme of being a work bench - continuing to follow the tool kit idea! We also didn't want to look like another boring bank, but probably it doesn't work that well on the phones.
Regarding logging out - we keep you logged in on purpose, (it will time out after 5 minutes) it is really annoying when you accidentally go back too far or want to swap to another app and have to log back in. Perhaps we should make that another setting?
some people even choose to keep their password remembered, and rely on the phones own security.
Remember this is a READ ONLY app, there is absolutely no way anyone could transfer funds, or make any changes to your bank.
We've got some nice things planned, like categorising your sending and graphs etc.
So any feedback or ideas really welcome - especially on the get satisfaction pages
Cheers.
Click to expand...
Click to collapse
Hi Dan,
Thanks for the great feedback. I'd like the option to customise the background, or if this is not possible, a solid black background. The timeout option should be configurable so the user can set the timeout period!
I look forward to the updates
MTK-Dan said:
I am Dan - founder of Money Toolkit, so obviously my opinion is not impartial
...
Any questions, just ask.
Click to expand...
Click to collapse
Hi Dan,
Was just deliberating about using Money Toolkit and I had a couple questions. I've no knowledge in this area so please bare with me.
On the blog post here: hxxp://moneytoolkit.com/2010/09/secure-mobile-banking/
You said that:
"Yodlee then sells your bank data to the web site that you signed up".
Which I agree doesn't sound ideal - but they have to make money to be a sustainable business. How does money toolkit intend to make money? Which part of users financial details will be utilised to do this?
Secondly - regarding the security - the same blog post says:
"Not only would someone have to get access to your phone they would have to go to the same lengths as they would if they wanted to ‘hack’ into a bank, but they would have to do it three times!"
I presume that each location storing data can't login to the bank account in part. Instead a single server instance would have to login - requiring all 3 parts of the information to do so as banks usually randomise the questions asked. That presumption may be wrong however - but if it's correct does that mean a hacker could just hack that single server instance and intercept the traffic being sent to the bank?
You said that:
"Yodlee then sells your bank data to the web site that you signed up".
"but they have to make money to be a sustainable business. How does money toolkit intend to make money? Which part of users financial details will be utilised to do this?""
Click to expand...
Click to collapse
We point out the normal relationship with Yodlee because Yodlee is an independant third party, they are the entity that you end up having the biggest contractual relationship with, in fact you sign over power of attourney to them when you use a web site that uses their aggregation (read the small print).
Regarding Money Toolkit making money, so far we don't! Of course, as you point out, we need to, so we have two options - we will ask for 50p per month (for example), or we will offer good deals with companies we trust (generally not main stream banking companies), where we will make a commission, if we do that we will make the commission obvious and share it with the person taking the offer.
"Secondly - regarding the security...
...does that mean a hacker could just hack that single server instance and intercept the traffic being sent to the bank?"
Click to expand...
Click to collapse
Well your main assumptions is correct, but the reasoning not quite right. Firstly it is not just because of the random nature of the security questions that the three way split is valuable, but literally each part is utterly useless without the other parts, they are three parts of an encrypted file, which MUST come together before it is possible to decrypt.
The decrypted file (now only in volatile memory) then returns values to your phone and it is your phone which sends (over SSL) the right request to the bank, so they would have to breach our own SSL traffic (and custom encryption). Our IP's and the bank's are hard coded so a traditional man in the midle attack is ruled out. They would in effect, have to dupe you into downloading a dodgy Money Toolkit apk for this to be possible.
As you may know, the huge majority of security problems come from static data being discoverable (cd's and memory sticks left on trains for example). In our case the three seperate locations, including your phone make this kind of static data recovery, all but impossible.
However... you are right tht if someone managed to compromise the individual server that, at that moment (we have many), did that specific decryption: then if they were very smart, they might have the ability to detect your secure bank details. Though it would be almost imposible for that to happen and us not know about it. To alter our code and not have our systems detect the intrusion would be phenomenal.
MTK-Dan said:
so we have two options - we will ask for 50p per month (for example), or we will offer good deals with companies we trust (generally not main stream banking companies), where we will make a commission, if we do that we will make the commission obvious and share it with the person taking the offer.
Click to expand...
Click to collapse
Great, both options sound reasonable
MTK-Dan said:
they are three parts of an encrypted file, which MUST come together before it is possible to decrypt.
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Click to collapse
Neat, didn't realise.
MTK-Dan said:
The decrypted file (now only in volatile memory) then returns values to your phone and it is your phone which sends (over SSL) the right request to the bank, so they would have to breach our own SSL traffic (and custom encryption).
They would in effect, have to dupe you into downloading a dodgy Money Toolkit apk for this to be possible.
Click to expand...
Click to collapse
That at least does sound secure (without understanding it more) I suppose there may also be security issues beyond a dodgy .apk file if the Android device has been rooted - because I think that allows apps to work outside of their sandbox. Again, I don't know enough about that.
Thanks for the detailed answers, it gives me more confidence in the service.
aph5 said:
Great, both options sound reasonable
Neat, didn't realise.
That at least does sound secure (without understanding it more) I suppose there may also be security issues beyond a dodgy .apk file if the Android device has been rooted - because I think that allows apps to work outside of their sandbox. Again, I don't know enough about that.
Thanks for the detailed answers, it gives me more confidence in the service.
Click to expand...
Click to collapse
Is it possible to transfer money to whomever you want with this app?
I need to find a very good DEV who is available to work on a fairly large project.
I am a disabled yet still serving soldier, who has a need for a specific app. This app will help millions of people and I DO plan to market it to both VETS and
NON Vet disabled persons (as well as anyone else who wants it!) Vets will of course have either a free or reduced price option.
You will be required to know every aspect of a project DEV to include the GUI, images, background, visual aid, the Database, it has to "share" and export to several mediums including googleCal and Excel graphs. It may be built with a module style or have a lot of options that can be turned on or off. Some will be protected so it can't be turned off unless a password is entered depending upon the level of disability and functions needed per person.
I will expect a non-disclosure agreement. I have done the paperwork to protect my idea.
I will expect timely completion of phases as well as bug fixes. All of which I am very realistic about. We just need to be in daily or even hourly communication if needed.
This is a long term project that can lead to a permanent type of side job for all the ongoing updates/changes.
I need to get this moving while I am still able to keep track of what I actually need it to do. Your development skills will be instrumental in getting this up and running. You will have full liberty to do the app as you see fit as long as it meets the needs and has the ability to do each task I need. I really don't care how it is done as long as the outcome is correct. I have certain tasks that must be included, you are more than welcome to add your ideas as well.
Payment is of course Negotiable as either upfront or a portion of future income from sales, or possibly both. This will be agreed upon in writing for everyones safety, but this will really be more of a friendly work together type of environment.
Please msg me or reply here for more details.
(Mods, if this is is the wrong category, I apologize. Just move me and I will learn my lesson!)
Must have placed this in the wrong area! I can't seem find a good developer in the entire world that wants to take on a very lucrative (possibly like all good ideas are) project??
Wow Ok anyone know where I should look or post my "Programmer wanted" ad?
You would probably be better posting it in the developer forums rather than Q & A.
Good luck with your project!
All the best,
Ash
ok our daughter is going to middle school and we got her an evo 3d (during the amazon .01 sale). I am looking for some app suggestions to lock the phone down to help with porn, etc. similar to norton family protect online.
I am also looking to track via GPS, and playing with Life 360's app which seems pretty cool, but the app tends to close (even though it's set to run in the background).
So as I start this stressful journey, I figured there were some parents out here already doing this (or trying) and could suggest.
Thanks.
invasion of privacy much.
**** if i had a gps tracker on me when i was a kid i woulda lived a very sheltered life. kids need to be able to lie about where there going occasionally don't take all the3 fun out of being a teenager
xlancealotx said:
ok our daughter is going to middle school and we got her an evo 3d (during the amazon .01 sale). I am looking for some app suggestions to lock the phone down to help with porn, etc. similar to norton family protect online.
I am also looking to track via GPS, and playing with Life 360's app which seems pretty cool, but the app tends to close (even though it's set to run in the background).
So as I start this stressful journey, I figured there were some parents out here already doing this (or trying) and could suggest.
Thanks.
Click to expand...
Click to collapse
Lookout is similar to Norton, as far as blocking sites, I'm unsure whether it does that or not. Sprint offers family tracker for a monthly fee, I don't know of any other ones available.
Mobile Security offers parental controls for android. Check it out, free on the market.
twiztidninja - when its your kid, we can talk. If you have already and simply don't care of "never my kid" then that's another issue.
When I was a kid, well if we were lucky enough to get a playboy or something, it was the world. Now a simple mistype on a URL can bring hardcore porn as well as other sick things the internet has to offer and that's something I don't want to expose my 11 year old daughter (not a teenager as you assumed) to. The fact is it's a different and sick world now, and I don't have a problem with her going places, just want to know she is safe as best as I can. As for "kids need to lie", well maybe in your life that's acceptable, but were raising our kids differently. Then again, from your grammer and profanity on a public forum, I can see we already differ on other issues.
Twolazyg - thanks, http://www.mobiflock.com/ seems to be in beta and really looks like a great app and I will check the others as well.
Hey Guys, i'm a developer in his prime and i was wondering what do you think I should use to make money of my applications? Which solution or ... website? Can you please help?
TerryGidd said:
Hey Guys, i'm a developer in his prime and i was wondering what do you think I should use to make money of my applications? Which solution or ... website? Can you please help?
Click to expand...
Click to collapse
Admob :good:
Thread moved to a more relevant forum
TerryGidd said:
Hey Guys, i'm a developer in his prime and i was wondering what do you think I should use to make money of my applications? Which solution or ... website? Can you please help?
Click to expand...
Click to collapse
Sent from my SCH-I605 using xda premium
TerryGidd said:
Hey Guys, i'm a developer in his prime and i was wondering what do you think I should use to make money of my applications? Which solution or ... website? Can you please help?
Click to expand...
Click to collapse
Could you be more specific? I think most people use the Google Play market for app sales, although there are alternatives (such as Amazon). Are you asking whether you should charge for the app vice depending on ad revenue?
TerryGidd said:
Hey Guys, i'm a developer in his prime and i was wondering what do you think I should use to make money of my applications? Which solution or ... website? Can you please help?
Click to expand...
Click to collapse
Three options:
Have an app that's good enough to make people pay to install it: Quite hard, especially on the Android platform where many users expect even high quality apps to be free.
Free app with advertisements. This usually only works well for apps which have a high user engagement, both session frequency and session length. If you have a utility app that runs in the background or gets used once in a blue moon, this model is not really suited for that, even if the app is super useful.
Free app with in-app purchases to unlock features and/or acquire consumable items. Especially games seem to be very successful with this approach.
leviteo.com :good:
leviteo said:
leviteo.com :good:
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Click to collapse
I've been pretty happy using these guys.
mrp.adsyolo .com
more of an exchange instead of a single ad network that includes around 120 various networks acting as demand partners. (admob, inmobie, yadda yadda yadda). I'm currently getting about 1500 +/- a month with these guys, not enough to leave the day job but it covers my beer expenses.
:highfive:
I'm using multiple networks... been testing the new network tapcontext because of their high payouts. Averaging $6 CPM's. Really depends on your apps though.
aiaran said:
I'm using multiple networks... been testing the new network tapcontext because of their high payouts. Averaging $6 CPM's. Really depends on your apps though.
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Click to collapse
whoa, $6? could you provide some details? what kind of app did you do that is making you that kind of cpm? what kind of ad placement did you use?
LanceMarble said:
whoa, $6? could you provide some details? what kind of app did you do that is making you that kind of cpm? what kind of ad placement did you use?
Click to expand...
Click to collapse
I obviously don't want to give too much away in regards to the exact apps as I wouldn't need the competition , but they are travel related. I am getting the $6+ CPM off tapcontext, using both their interstitial & notification ads.
This list below in general is a pretty good summary of some of the best ways to monetize your application.
With this in mind, the latter in the list (unlockable content) is something that we will be experiencing far more of in the future in my opinion...
smartician said:
Three options:
Have an app that's good enough to make people pay to install it: Quite hard, especially on the Android platform where many users expect even high quality apps to be free.
Free app with advertisements. This usually only works well for apps which have a high user engagement, both session frequency and session length. If you have a utility app that runs in the background or gets used once in a blue moon, this model is not really suited for that, even if the app is super useful.
Free app with in-app purchases to unlock features and/or acquire consumable items. Especially games seem to be very successful with this approach.
Click to expand...
Click to collapse
It is kinda sad that its getting harder and harder to make money off the purchase of the app itself anymore. Even if you give out the free version, I've seen that very few people upgrade to the full version. There are just too many free games out there. Users end up spending more money within their favorite free apps instead of trying out many different apps.
I'm in the middle of an ad campaign for my new app and its getting a great # of installs (more than other apps). Reviews are good and emails/comments on social media about the game are positive, and yet so few people upgrade to the full version!
In my opinion never use the notification kind of adds, its very annoying wich makes people uninstall your app, unlockable content would be the best move i think. Again, its my opinion.
Sent from my super awesome LG-P700
Different ads are good for the beginning.
I use Admob and for now it's good for me.
I can't live with this money but little is better than nothing.
How To Recover Deleted Photos From Android Phone For Free
It often happens that you accidentally end up deleting all the pictures stored on the memory card of your smartphones. It sucks, especially if you have not stored a backup of the images elsewhere (usually on an external hard drive or laptop).
Sure, you may try to place the in-app ads. Clickky's monetization platform will help you to place ads relevant to your users (the programmatic approach identifies your user and his interests and shows him the appropriate ads). It works by eCPM. One of the publishers received traffic from 11 geo locations in various regions. eCPM rates peaked at $61.5 in Russia, followed by $30.28 in Switzerland, $14.13 in New Zealand, and $9.45 in France. Overall, eCPM haven’t fallen below $0.65. He had a mobile web-site, not an app, but it doesn't matter.
The eCPM you get depends on users. Let's suppose that the app advertiser has some profile of users who will most likely install his app, use it and make in-app purchases. He is ready to pay money to attract these certain users, showing them the ads. When these certain users use your app, the system (RTB-based) connect you (publisher) and app owner (advertiser). That's why the eCPM is very high. Imagine, how much you are ready to pay as an advertiser for the particular user who will bring you at least $200/mo via in-app purchases. Yes, that's why some publishers may earn up to $150
Agree with @aiaran that you should use multiple networks as they give you different fill rates in different GEOs. Unfortunately there is no best-ever solution on the market. E.g., now Clickky's monetization platfrom is now very good on Tier 1 countries, and maybe some other platform will monetize your traffic from Australia or Russia much better. In a month the situation may change, so you have to combine different platform and monetize yur traffic to the fullest.
I work for AppLixir which specializes in reward videos for games and we would love to help you with any apps or games you have. You really don't need to prepare anything other than having a great game! Revenue generation on our platform can be implemented in less than an hour (15 minutes for many).
It's free to signup too.
Try looking into Kin, a cryptocurrency that is working to change the monetization game completely. No more annoying ads or in app purchase. kinecosystem.org
Sent from my SM-G950U using Tapatalk
When I connected to the colleges wifi this morning I noticed a little message when I used wifi assist, I'm starting not to trust Google anymore or seems like they are shooting on us more and more each day
It's like 15 years ago and we're all suspicious of what they do.
I won't even mention Project Fi, but have you read any of Google's data disclaimers?
Can you not turn it off? It's likely just a Google VPN. They probably decided this is preferable to the alternative of letting average users connect to an open WiFi with SSID "Starbucks" that's actually someone running a WiFi hotspot in their car in the parking lot
LOL,
---------- Post added at 06:40 PM ---------- Previous post was at 06:38 PM ----------
LOL, I am neither scared or ashamed of anything Google knows about me. In the end whats it worth?
popper668 said:
LOL,
---------- Post added at 06:40 PM ---------- Previous post was at 06:38 PM ----------
LOL, I am neither scared or ashamed of anything Google knows about me. In the end whats it worth?
Click to expand...
Click to collapse
I dont mean to turn this into a big discussion but to answer your question, the data has value. In the book 1984 there were "telescreens" everywhere (devices that work as TV & camera. Sound familiar?) The point is there isnt always someone spying on you. BUT there COULD be at any given time. And when people think theyre being watched they generally behave different.
Just another way of looking at it. Because I think most people believe the way you do--theyre not breaking laws so they have nothing to hide. Its a low bar in terms of privacy which should be everyone's right.
KLit75 said:
I dont mean to turn this into a big discussion but to answer your question, the data has value. In the book 1984 there were "telescreens" everywhere (devices that work as TV & camera. Sound familiar?) The point is there isnt always someone spying on you. BUT there COULD be at any given time. And when people think theyre being watched they generally behave different.
Just another way of looking at it. Because I think most people believe the way you do--theyre not breaking laws so they have nothing to hide. Its a low bar in terms of privacy which should be everyone's right.
Click to expand...
Click to collapse
I understand, consider Google as data trade off, give and take.
You supply data to improve their services, pedestrian data, locations, etc,
They provide you the same data although compiled and applied, when you open google maps for example, and ask for directions.
The data you provide to them is not "personal" per se, but used to improve general services which every user uses and accesses.
You can always stop it.
I don't feel like this should be a surprise to anyone. Google is Google. Their data collection isn't exactly a secret. It would be naive to think the services they provide don't collect at least some data on you in some form. At the end of the day, I do value and enjoy what they provide me. I personally don't mind trading some of my privacy for it. But I do acknowledge what they are doing and I don't pretend like they're providing all these services for free because they're nice.
"Oooooh, google is monitoring my network activity. Here, let me put my all life in Facebook."
This is old news! A concern might be the intrusive big bro gov cia, nsa, fbi, hs, etc...
MidnightDevil said:
I understand, consider Google as data trade off, give and take.
You supply data to improve their services, pedestrian data, locations, etc,
They provide you the same data although compiled and applied, when you open google maps for example, and ask for directions.
The data you provide to them is not "personal" per se, but used to improve general services which every user uses and accesses.
You can always stop it.
Click to expand...
Click to collapse
I wasnt implying this specific case was grounds for outrage. My concern is people dont fully grasp that information is power and despite that theres a growing attitude of nonchalance . Sure you can turn it off here but you have to care, and to care you need to be informed. I dont mean purposely trading data for access to apps, features or helping to improve services. Thats different.
Id also point to the story (which should've been huge) from just a couple weeks back. Yahoo willingly allowed state sponsored hackers to access millions of user accounts. None of the customers were aware, neither the well informed nor the ones who care. And my biggest grievance with this is its not quite the breaking news it should be. The fact that many would consider me paranoid or a conspiracy theorists because this disturbs me is the most concerning part.
***I dont really mean xda members since they seem to be more knowledgeable about privacy. But the general population isnt really catching up.
Here's a link to what they mean by this message.
https://support.google.com/nexus/answer/6327199?hl=en
The only thing Google collects through Wi-Fi assist is location and ssid/bssid. If you actually researched this stuff you are so worried about you would be a lot more concerned with what your phone carrier does with your data than Google any day of the week...
Sent from my Nexus 6P using XDA-Developers mobile app
Bounty44 said:
The only thing Google collects through Wi-Fi assist is location and ssid/bssid. If you actually researched this stuff you are so worried about you would be a lot more concerned with what your phone carrier does with your data than Google any day of the week...
Sent from my Nexus 6P using XDA-Developers mobile app
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Click to collapse
Well i guess that is true but i've seen a lot of research about google and they collect everything... like the average google phone user, they let google acces to all their information/location... specailly with all those people that keep everything on like GPS. But its the same with Windows or Facebook, all those privacy settings that are by default on. Its all about the money and control over the masses... also for NSA/FBI/CIA very handy.... its not that weird to know that they have access to all those systems if they need to, thats no secret. It's all about if you got nothing to hide... everybody has something to hide. I keep tabs on all my privacy settings of all my apps as far as i can go. I accept certain privacy breaches but thats ok, thats the world we live in and i accept that. The same with people that dont mind all those freaking ads on their phone and websites..... for me mind boggeling. Especially here on xda forum, people that keep everything stock with no adjustments... first thing for me is that adaway has to work....
Here in The Netherlands, we have laws for ISP's and phone carriers, they collect but cant use it for other purposes then for criminal justice orders. Google has no laws to ibide here in Holland, they can collect en use your data unrestricted.
rayraycarter4 said:
When I connected to the colleges wifi this morning I noticed a little message when I used wifi assist, I'm starting not to trust Google anymore or seems like they are shooting on us more and more each day
Click to expand...
Click to collapse
Its a VPN that Google provides on open WIFI Hot spots in order to ensure that your data is not being being intercepted while you're connected to that network. I have project fi and thats one of the benefits of the service, and also because a good portion of the service relies on silently connecting to google approved wifi host spots all over the country. In order to ensure your data is not at risk, because all someone would need to do is create their own wifi hotspot with the unique name that google uses and they could steal info from anyone who happened to connect to their base. As long as they forward you to the internet while the connection is active then you wouldn't even notice there was anything wrong. Google is the most benevolent corporation on the planet. I highly doubt that anyone need worry about any data they collect as I'm sure its all being used for the purposes of trying to provide new technology based on what the consumer wants and at a price that makes you wonder how they are still the top technology company in the world because they surely have to be losing money with the prices they charge for their goods and services.
So you're connecting to an open wifi AP and you're scared about your privacy?
You do know that your connection to the AP is unencrypted and by that fact, people have been spying on you for ages?
That's what I do regularly when I go in hotels and I'm bored because there's nothing on TV.