You are confusing UX designer with UI designer. UX designer does not use words such as clean and simple or beautiful that’s the talk of someone who does no user research which is precisely what UX designers focus on primarily.
They are called UX researchers and they exist alive and well today. There is a huge difference between design backed by research and just doing things to keep up with times.
The real lesson here is that the company tried to save money by hiring a design agency instead of a UX designer who would have done the research to understand the end user and their needs. Had that been done then the new interface would be just as quick to use but with major improvements. Instead of modernizing they should have asked how to design a product that’s even more useful.
I see this problem all the time when I talk to companies. They hire a big agency expecting big results and the agency rolls out the red carpet and does everything they are asked. Both parties fail. The first question I ask when someone asks me to design something for them is “why?” Most of the time the response is way out of touch with the actual reason why you should ever consider design. A real UX consultant will do 70% research, 30% design if they offer that portion of the service which I do. Please don’t make the mistake of assuming you know what you need. Find a UX designer not a UI designer and listen for the hard questions- who is your customer? What problems are they complaining to you with? What do you think this redesign will do for you? These are just some of the basic questions you’ll be asked. Your consultant will know your customer better than you when they are done before they touch any designs, if they don’t do any of these things then walk away.
Reddit has become a platform to manipulate public opinion. I have witnessed some very strange things on Reddit where I presume a company, government agency or malicious groups take over a subject and comments to steer the opinion. It’s easy to spot. Personally I treat Reddit as a place for humor and occasional insight, but mostly humor.
You can somewhat combat that hurry up and wait attitude by making yourself feel more scarce. I typically say something along the lines of getting booked often and quickly so I can’t make any promises on being available after one week. This puts some pressure on them to respond within a week. In most cases if I haven’t heard back in 2-3 days they are gone for good.
While on the topic of save for later, I was going to clean my downloads folder by sorting the stuff I may need but then realized I had gigs of files and folders. I took the nuke approach and deleted everything. It was terrifying but I did it. What a relief now seeing how it’s been bugging me for over a year.
I used to run ads on google and made a living on it. One day google decided to disallow ads for this particular niche and I could no longer make any money. While I am not against their decision to disallow ads in this niche, I learned a very important lesson not to start any business that depends on google ads for survival. Sooner or later they screw you over.
Isn’t it about time we have a review of the legality of tos agreements? It seems anyone can put anything into this thing nobody reads and just point their finger at it “see, says here you agree you’re an idiot”.
There should be some limits as to what you can and cannot put into TOS.
I feel dreadful reading these types of things. The world seems to be running full speed into a dystopian future. Slow down, I say. Think about what you are doing and the consequences of your actions. NSA, POTUS lowering the bar for acceptable behavior, China monitoring, god knows what else, now this in Kenya.
I block ads simply because I don’t want to see them. If a software annoys me I don’t use it. If a website is annoying, I leave. If a website is ok but ads are annoying, I block them.
Except in your example the actual situation would play out like this: person borrows $80, thinks his payment is $20, makes a payment. Next paycheck he sees a withdrawal for $45. Wondering why he brushes it asides figuring only $53 left to pay. Another $45 comes out - ok $8 left all is good. Then sees another $45 come out and panic sets in. Borrower makes a phone call to see what’s going on and why he is overcharged. The asshole on the other end of the line rudely explains that ZERO payments have been made in the principle of the balance. The fees were loan renewal fees. And the $80 balance remains. If borrower is lucky he can pay it off in full plus the $18. Of course the borrower could have the full some but not likely seeing how they had to borrow $80. So you get this vicious cycle of loan renewal fees which we might as well call them what they are - a scam. How anyone can support this practice is beyond me. I can only conclude the person who thinks this is ok works in a morally ambiguous industry and has to justify their own behavior.
Come again? What is it that I’m saying they do? Do you even know what payday lenders do and how they make their money? If you did, you wouldn’t defend them.
The service is masked in high fees that do not apply to your principle payments. They are borderline fraud. Had try been totally transparent then we wouldn’t need to regulate the industry as much. The fact that anyone can defend a payday lending operation knowing how it works is puzzling. I don’t know what your motivations are or of those who say nice things on behalf these “businesses” but they are certainly not in the interests of the consumer.
Nobody is denying people credit. Payday loans are predatory and perpetuate poverty instead of helping to solve it. It would be great if they were transparent and didn’t try to rob you in the process, but that’s just not how they work.
Setting up a fraudulent product or service just to collect crypto and run away with the funds is not social hacking. I believe the government calls that online fraud.
If I had to bet on it they put up a fake service and scammed the btc by running away with it instead of hacking anything. Manipulation was the name of the game, not so much hacking.
I’d bet on insecurity since the guy was trying to overcompensate. I know his type well, gamer background, early teen dabble in illegal, uneducated, turned criminal with zero morals.
I almost closed it right away when I saw buzzfeed but read on and was pleasantly surprised at the quality of this article. Of course I kept saying in my head “who cares what these idiots say, do the forensic work to put them away for life” every time the article went on and on about the lies these dumbasses spawned to cover their asses.
Just because you don’t have to work doesn’t mean you wouldn’t want to anyway - perhaps money is not the only motivation for working when your basic needs are met.
Fun fact: Long before the egg days there was a picture of a “sexy potato” making rounds on Facebook. It had over 1 million followers and copycats spawned new pages with a quarter million followers.