Users rebel when Microsoft adds a short-term financing application to Edge


Users rebel when Microsoft adds a short-term financing application to Edge

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Microsoft is receiving a lot of criticism for planning to integrate a short-term financing application into the company’s Edge browser. The application would allow users to make purchases immediately and pay for them at a future date.

Over the past few years, Edge has built a following of users drawn to Microsoft’s browser security, plus features that include immersive reading, collections (which saves web pages or notes in categorized notebooks), vertical tabsand the ability to take screenshots directly from a web page.

Two weeks ago, Microsoft said I was planning to bake an app called Zip right into Edge. The “buy now, pay later” app, which used to be known as Quadpay, allows shoppers to split purchases into equal installment payments so they get their merchandise up front, rather than having to wait until it’s paid in full. . It didn’t take long for the howling and gnashing of teeth to begin.

“This all feels extremely unnecessary for a browsing experience,” said one user said. The user continued:

I do not want it. I don’t even want the shopping and discovery features you guys have released. These kinds of things need to be separated into extensions. I’m much more interested in an ultra-fast browser that uses minimal resources and is secure at the same time. Edge on Mac is getting heavier.

Stop turning on all of these things by default, or at least give us an option for a “basic” experience that includes basic navigation features plus security enhancements. As it is now, I spend 5-6 minutes making sure all the extra junk is turned off every time I set up Edge on a new computer or move between channels.

Another reviewer wrote:

You’re starting to go overboard with these third-party integrations and services. This is seedy, Edge is about to feel dirty to use it. Edge is not just any browser, it is the default (increasingly difficult to change) of the world’s largest desktop operating system. That not only brings benefits, but also responsibilities to users. This is not the way. Don’t ruin a great browser by taking these unnecessary cash grabs too far. Stop it before Edge is known to be adware garbage.

Bloatware

In fairness to Microsoft, the company He says “It does not charge a fee to connect users to loan providers,” so there is presumably no basis for claiming that the measure is cash theft.

Also, Edge isn’t the only browser that comes with questionable bloatware. Brave, possibly one of the most privacy-preserving browsers, now solder your own cryptocurrency wallet to its products (apparently to counter fake wallet extensions) and also provides native support for sending and receiving NFTs, connecting and interacting with distributed applications known as DApps, and buying and sending cryptocurrencies.

Zip does not operate on a typical short-term financing income model. There are no interest rates. Instead, as long as payments are made on time, the business charges $ 1 for each payment made, so in most cases, that would be $ 4. That’s not a bad price for purchases of $ 1,000 (the Zip maximum) or even $ 100. But for a purchase of $ 35, the Zip minimum, the fee equates to an interest rate of more than 11 percent.

While most of the critics criticizing Microsoft have focused on the feature’s money-greedy appearance, the biggest issue is user and merchant control. Adding this feature increases the attack surface of the browser, which means there are more potentially vulnerable lines of code for hackers to exploit.

In addition, the company has not yet explained if the integration of this application in Edge provides more visibility of users’ browsing habits. Microsoft is also automatically opting for merchants, requiring those who do not want to participate to be retroactively excluded.

Forcing all Edge users to have this app running on their devices is a heavy hand. Zip has been around as a standalone app for years, and there’s no reason for that subscription agreement to end. In case Microsoft didn’t know yet, it should be clearly obvious by now.


arstechnica.com

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