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Alea Fairchild – Strategic Views

Alea Fairchild – Strategic Views

Tag Archives: failure

A matter of non-fraud

11 Thursday Feb 2016

Posted by afairchild in Uncategorized

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Tags

ecommerce, failure, fraud

I just had a very frustrating experience involving fraud and e-commerce.  But it is not what you think — quite the opposite.  I went to buy an electronic good via a well-known Benelux online store, using a major credit card I have not used for a bit.  Should be simple, right? As I can verify who I am and I have the card in hand.

Opened an account with the online store, placed the order, went to pay.  Would not accept the credit card. Then I received a fraud account activity mail promptly from the card provider.  Great, I said.  Thanks for checking  – yes, it is me.  Ah, go ahead and try again, said the card provider.

Placed the order. Order was accepted.  And then about midnight, as they are getting ready to load my order, the online store cancelled my order.   Because it is my first purchase with them, I must use a debit method, not a credit card method, to establish a secured relationship to avoid fraud. Even though the order was placed and accepted.

So I see this message, and get both parties online (separately).   The card company apologies and says please, try it again, do not worry, you were not yet billed and we are sure they will accept the card.   The vendor says yes, try again, but without the credit card.  And I lack the cash buffer in the account right now to do a debit payment.

So I am now without the object in question, but hey, no fraud!  And no shopping or customer satisfaction either.

 

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Private sector steps in where public sector fails

31 Friday Jul 2015

Posted by afairchild in Uncategorized

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competition, education, failure, internet access, poverty, remote

Two articles I read this morning really hit home for me on the failures of the public sector.  One on Facebook creating drones for internet access in remote countries  and one about private education in Africa stepping in where government is failing.

The private sector senses opportunity here, and lacks the mandate to have to offer citizens choice and resources as their rights of citizenship.  So citizens may have to give up privacy, data and choice of educational services to get what they should already have access to as a right.  But you can also say that it is good that Zuckerberg and Gates are taking their success and reinvesting to help others.

So why does government fail to do what private sector companies find so easy to accomplish? If education and access to utilities (such as electricity, internet and water) should be basic resources for a citizen in a developed country, why not reinvent the government as a competitor to the private sector? This is instead of having third parties running the show, as The Economist article suggests at the end.  For example, making teaching a decent paid job, yet competitive to get the decent pay.

Can governments be competitors to the private sector?  Might be worthwhile thinking about this…..

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