No, it isn't the same. I don't want to wait until the end of the month. The information about this transaction is freshest in my mind at the exact hour and minute I enter into it.
I want a notification on my phone immediately:
"(Merchant X) requests a payment of ($Y). Do you accept this charge?
( ) yes
( ) no
[ ] Auto-apply this answer to future requests from this merchant"
The notion that I shoudn't, by default, have a role in approving each and every transaction before it goes through is a holdover from the days when I didn't have an always-connected computer in my pocket.
If I never approve it in the first place, there's no wrong that needs to be righted, no fraud that needs to be investigated. I just got some spam asking for money. I marked it as spam to keep from being flooded in the future by the same spammer, and that's it.
I want a notification on my phone immediately:
"(Merchant X) requests a payment of ($Y). Do you accept this charge? ( ) yes ( ) no [ ] Auto-apply this answer to future requests from this merchant"
The notion that I shoudn't, by default, have a role in approving each and every transaction before it goes through is a holdover from the days when I didn't have an always-connected computer in my pocket.
If I never approve it in the first place, there's no wrong that needs to be righted, no fraud that needs to be investigated. I just got some spam asking for money. I marked it as spam to keep from being flooded in the future by the same spammer, and that's it.