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Joined 1 year ago
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Cake day: July 3rd, 2023

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  • A couple of reasons:

    1. Who would contribute? Banks are highly regulated and sometimes deal with complex products that most Devs don’t have a background on. Even most Devs in banks rely on a team of business analysts, designers etc to shape the requirements. Add on top of that the general negative perception of banks, I can’t think of a large open-source community forming.
    2. Competition. Bank’s primarily compete with each other. They all offer very similar products, and any advantage they can gain by developing proprietary software will be explored.
    3. Third-party apps. Banks use a TON of third-party apps behind the scenes. A lot of times they will purchase licenses for existing products and then customise on top of that.
    4. Outsourcing. Even when they are building the app “in-house” they may have outsourced the development to another company, and will then just maintain the finished product.
    5. Banks move slooooowly. As it’s a highly regulated industry, every deployment needs to go through a ton of red-tape. An exploit found in public might take weeks to be resolved internally.
    6. Reward is not worth risk. It simply isn’t a priority and they can’t see any benefit for doing it. It’s more likely to cause a reputation risk than not.



  • I quite like Obsidian too. Markdown note app that has desktop & mobile versions. You can create templates and have it so that a new note using a template is opened automatically when you open the app (e.g. for daily notes). It also supports a lot of different community created plugins.

    I sync across android & linux via google drive for free, otherwise Obsidian also has a paid sync feature.




  • It’s an interesting idea. I’m guessing the largest hurdles would be: trust, funding, and legal. A large part of it I think depends if it’s being run altruisticly or as a business.

    Uber/Lyft and others have come under intense legal scrutiny all over the world. The drivers typically need to purchase & obtain a license to be able to drive, and come into agreement with local taxi operators.

    What motivates the drivers to drive, ie is this a job or are they volunteering? Does each ride cost or are the rides free? If the rides are free, are the drivers doing it out of the goodness of their hearts, or are donations covering the rides? If rides aren’t free, who is processing those payments? Who decides what drivers get paid and what customers get charged?

    Lastly, as a ride-operator, how do I build trust with my drivers? As a customer, how can I trust the instance I am with? If something happens in a ride, is there someone I can contact? Can I get refunds? What if something even worse happens, who is on the hook?