{"id":4539,"date":"2012-11-04T11:31:16","date_gmt":"2012-11-04T11:31:16","guid":{"rendered":"http:\/\/www.markwilson.co.uk\/blog\/?p=4539"},"modified":"2012-11-04T11:31:16","modified_gmt":"2012-11-04T11:31:16","slug":"more-retail-banking-security-theatre","status":"publish","type":"post","link":"https:\/\/www.markwilson.co.uk\/blog\/2012\/11\/more-retail-banking-security-theatre.htm","title":{"rendered":"More retail banking security theatre"},"content":{"rendered":"<p>Yesterday, I bought a new suit. Nothing remarkable there but I paid on my <a href=\"http:\/\/www.lloydstsb.com\/credit_cards\/duo_avios.asp\">Lloyds TSB Duo Avios credit card<\/a>. A card that I will shortly be cutting into little pieces because it&#8217;s useless to me if the bank declines transactions on an apparently random basis&#8230;<\/p>\n<p>You see, I also wanted an extra pair of trousers and they were out of stock. The very helpful guy at John Lewis went through the online order process, I supplied my credit card details and all was good. Then we went to the till and paid for the suit jacket and first pair of trousers.<\/p>\n<p>The \u00a3250 transaction for the suit went through OK but a short while later I was called by John Lewis to say that the \u00a380 order for the trousers placed a few minutes earlier had been declined. \u00a0That seemed strange &#8211; especially as it was placed before the larger transaction (I&#8217;d expect the large one to be declined if there was some sort of anti-fraud flag triggered by a small\u00a0purchase\u00a0and then a large one) so we tried again. No joy. Declined by the bank. So I supplied some different card details and all was OK.<\/p>\n<p>I was annoyed. I use multiple credit cards for good reasons but at least I had been able to use a different card even if that does mean that my personal and business transactions are mixed up. Fast forward to this morning and I was incensed.<\/p>\n<p>Sunday morning, 10am: enjoying a rare lie-in whilst the kids are away; the phone rings &#8211; it might be my in-laws and it might be important, so I answer.<\/p>\n<p>&#8220;This is an automated anti-fraud call from Lloyds TSB&#8230;&#8221; (or similar). I&#8217;m angry now, but I comply with the whole process as I think I might be charged twice for my trousers. \u00a0This process involved:<\/p>\n<ul>\n<li>Confirming that I was (imagine robotic voice) &#8220;Mr Mark Wilson&#8221;. 1. Yes, that&#8217;s me.<\/li>\n<li>Confirming my year of birth. Not exactly a secret, especially not to anyone who might answer my home phone.<\/li>\n<li>Confirming my day and month of birth. Again, public information, and known to all in my household.<\/li>\n<li>Listening to some details of some possibly fraudulent transactions: two declined for \u00a380 and one approved for \u00a3250; both flagged as Internet purchases at John Lewis, a &#8220;grocery or supermarket&#8221; retailer. Not much help there as John Lewis is a department store (Waitrose is their supermarket brand) and clearly store transactions are\u00a0incorrectly\u00a0flagged as Internet purchases &#8211; which means the information is unreliable at best and confusing if it had been a different retailer with whom I was less familiar.<\/li>\n<li>Confirming I had made those transactions. Tempting to say no but that would be fraudulent. I said 1 for yes, anyone in the house who answered my phone could have answered anything&#8230;<\/li>\n<li>Supplying my mobile phone number for future anti-fraud calls (I probably didn&#8217;t supply it in the first place because I was concerned they would use it for marketing&#8230;). Well, at least my mobile is more immediate, and more secure than the home phone (only I use it).<\/li>\n<\/ul>\n<p>Pure security theatre.<\/p>\n<p>I can understand the banks wanting to reduce fraud &#8211; it costs them millions. But my account has a significantly larger credit limit than transactions I attempted in John Lewis yesterday and they could go a lot higher before\u00a0declining transactions and inconveniencing me as a customer. I can see some patterns that might have flagged the anti-fraud systems but not the sense in declining the first and\u00a0third\u00a0transactions yet accepting the second (larger) one. It&#8217;s possible that John Lewis stored my card details and applied them after a short delay but, even so, I&#8217;d think it&#8217;s pretty common for people to make in-store transactions and place orders through the retailer&#8217;s online channel at or around the same time (in scenarios like the one I described).<\/p>\n<p>I&#8217;ll make the most of the interest-free period until my next bill, pay in full (as always) and then I&#8217;ll be closing my account with Lloyds TSB. &#8220;Security&#8221; that stops me using my cards when I want to, and disturbs my privacy at home (with an automated call using publicly-available information!) is &#8220;security&#8221; I can do without&#8230;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yesterday, I bought a new suit. Nothing remarkable there but I paid on my Lloyds TSB Duo Avios credit card. A card that I will shortly be cutting into little pieces because it&#8217;s useless to me if the bank declines transactions on an apparently random basis&#8230; You see, I also wanted an extra pair of &hellip; <a href=\"https:\/\/www.markwilson.co.uk\/blog\/2012\/11\/more-retail-banking-security-theatre.htm\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">More retail banking security theatre<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[218,38],"tags":[489,43],"class_list":["post-4539","post","type-post","status-publish","format-standard","hentry","category-technology","category-inane-waffle","tag-financial-services","tag-security"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>More retail banking security theatre - markwilson.it<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.markwilson.co.uk\/blog\/2012\/11\/more-retail-banking-security-theatre.htm\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"More retail banking security theatre - markwilson.it\" \/>\n<meta property=\"og:description\" content=\"Yesterday, I bought a new suit. Nothing remarkable there but I paid on my Lloyds TSB Duo Avios credit card. A card that I will shortly be cutting into little pieces because it&#8217;s useless to me if the bank declines transactions on an apparently random basis&#8230; You see, I also wanted an extra pair of &hellip; Continue reading More retail banking security theatre\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.markwilson.co.uk\/blog\/2012\/11\/more-retail-banking-security-theatre.htm\" \/>\n<meta property=\"og:site_name\" content=\"markwilson.it\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-04T11:31:16+00:00\" \/>\n<meta name=\"author\" content=\"Mark Wilson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@markwilsonit\" \/>\n<meta name=\"twitter:site\" content=\"@markwilsonit\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Wilson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm\"},\"author\":{\"name\":\"Mark Wilson\",\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/98f61365e7c39d6be942174b8c4de468\"},\"headline\":\"More retail banking security theatre\",\"datePublished\":\"2012-11-04T11:31:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm\"},\"wordCount\":716,\"commentCount\":7,\"publisher\":{\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/98f61365e7c39d6be942174b8c4de468\"},\"keywords\":[\"Financial services\",\"Security\"],\"articleSection\":[\"Technology\",\"Waffle and randomness\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm\",\"url\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm\",\"name\":\"More retail banking security theatre - markwilson.it\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/#website\"},\"datePublished\":\"2012-11-04T11:31:16+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/2012\\\/11\\\/more-retail-banking-security-theatre.htm#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"More retail banking security theatre\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.markwilson.co.uk\\\/blog\\\/\",\"name\":\"markwilson.it\",\"description\":\"get-info -class technology | write-output &gt; 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Free delivery may close the deal but what does it actually cost the retailer to ship to personal addresses? Probably far more than that \u00a33-5 P&P\u2026","rel":"","context":"In &quot;Waffle and randomness&quot;","block_context":{"text":"Waffle and randomness","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/inane-waffle"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":755,"url":"https:\/\/www.markwilson.co.uk\/blog\/2007\/03\/call-centres-offshoring-poor-customer-service-and-how-to-save-some-money.htm","url_meta":{"origin":4539,"position":1},"title":"Call centres, offshoring, poor customer service and how to save some money","author":"Mark Wilson","date":"Monday 26 March 2007","format":false,"excerpt":"I can understand why outsourcing and, in today's global economy, off-shoring is so attractive to companies. I just wish that companies would think things through a bit further than the initial impressions of reduced costs. Because I work for a company whose core business is IT managed service (but never\u2026","rel":"","context":"In &quot;Waffle and randomness&quot;","block_context":{"text":"Waffle and randomness","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/inane-waffle"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":742,"url":"https:\/\/www.markwilson.co.uk\/blog\/2005\/03\/phishing-and-wider-issue-of-identity.htm","url_meta":{"origin":4539,"position":2},"title":"Phishing and the wider issue of identity theft","author":"Mark Wilson","date":"Tuesday 29 March 2005","format":false,"excerpt":"Phishing worries me. In fact, identity theft in general is one of my major concerns (and is the reason I refuse to do any more business with Halifax Bank of Scotland, one of the UK's largest banks, who will not respond to letters or e-mails requesting that they remove my\u2026","rel":"","context":"In \"Security\"","block_context":{"text":"Security","link":"https:\/\/www.markwilson.co.uk\/blog\/tag\/security"},"img":{"alt_text":"","src":"http:\/\/www.tqlkg.com\/image-1875354-8132995","width":350,"height":200},"classes":[]},{"id":2405,"url":"https:\/\/www.markwilson.co.uk\/blog\/2011\/04\/santander-lives-up-to-its-reputation-for-poor-customer-service.htm","url_meta":{"origin":4539,"position":3},"title":"Santander lives up to its reputation for poor customer service","author":"Mark Wilson","date":"Tuesday 5 April 2011","format":false,"excerpt":"Today is the last day of the tax year, here in the UK, which means it's traditionally the end of a crazy month of competition in the Individual Savings Account (ISA) market. For those who are outside the UK (or even in the UK, but perhaps not well versed in\u2026","rel":"","context":"In &quot;Waffle and randomness&quot;","block_context":{"text":"Waffle and randomness","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/inane-waffle"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9211,"url":"https:\/\/www.markwilson.co.uk\/blog\/2025\/11\/the-day-i-forgot-my-wallet-and-it-didnt-matter.htm","url_meta":{"origin":4539,"position":4},"title":"The day I forgot my wallet \u2013 and it didn\u2019t matter","author":"Mark Wilson","date":"Wednesday 5 November 2025","format":false,"excerpt":"Yesterday I left the house without my wallet. Once upon a time that would have been a disaster \u2013 but it didn\u2019t matter in the slightest. I had my iPhone. My Apple Wallet held my train tickets and my virtual payment cards, and everything just worked. At some point, I\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/business"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.markwilson.co.uk\/blog\/uploads\/iPhone-with-Barclays-Card-and-Ticket.png?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.markwilson.co.uk\/blog\/uploads\/iPhone-with-Barclays-Card-and-Ticket.png?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.markwilson.co.uk\/blog\/uploads\/iPhone-with-Barclays-Card-and-Ticket.png?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.markwilson.co.uk\/blog\/uploads\/iPhone-with-Barclays-Card-and-Ticket.png?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.markwilson.co.uk\/blog\/uploads\/iPhone-with-Barclays-Card-and-Ticket.png?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2440,"url":"https:\/\/www.markwilson.co.uk\/blog\/2007\/07\/security-why-the-banks-just-don%e2%80%99t-get-it.htm","url_meta":{"origin":4539,"position":5},"title":"Security &#8211; Why the banks just don&#8217;t get IT","author":"Mark Wilson","date":"Tuesday 10 July 2007","format":false,"excerpt":"A few weeks back, I read a column in the IT trade press about my bank's botched attempt to upgrade their website security and I realised that it's not just me who thinks banks have got it all wrong... You see, the banks are caught in a dilemma between providing\u2026","rel":"","context":"In &quot;Technology&quot;","block_context":{"text":"Technology","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/technology"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/posts\/4539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=4539"}],"version-history":[{"count":1,"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/posts\/4539\/revisions"}],"predecessor-version":[{"id":4540,"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/posts\/4539\/revisions\/4540"}],"wp:attachment":[{"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=4539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=4539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.markwilson.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=4539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}