InfrastructureEnthusiast
Active Member
But why? Reloading fares through a phone app can be done anywhere so don't need a convenience store network or kiosks. The gamut of stores that would accept credit cards has got to be orders of magnitude larger than those that would accept reloadable cards. Credit cards and mobile phones are ubiquitous, so it would be foolish to use any other technology.
A lifetime in the IT biz has left me horribly cynical...
As I stated before, CCs are a juicy fraud target, and adding a dozen or more readers per station is a skimmers dream.. Yeah it can be mitigated somewhat by using a low value card for tapping, and yes banks are generally very good at dealing with compromised cards and refunding illegitimate charges, but its still a much more attractive target than a SVC with more limited uses.
Phone apps, especially those developed for gov contracts by the lowest bidder, have a tendency to be hot garbage, and beyond potential data leakage from the app itself, tapping with a phone is also open to QRcode/NFC hacks and the like, which are much harder to detect than CC fraud, and present an even more attractive target with all the sensors and personal data smartphones contain.
Add traveler considerations to the mix, where CCs are less likely to work smoothly in foreign countries, and visitors may be more reluctant to use an app from a foreign nation, SVCs continue to present a simple low risk solution.
Having SVCs able to auto-reload for regular domestic users would seems to address the convenience factor, while keeping risk of system abuse as low as possible.