niyaven

Djamo | Staff Software Engineer | Remote (UTC-3 to UTC+3) | Full-time | https://careers.djamo.com/p/c4594e2c416c-staff-engineer-back...

I'm VP of engineering at Djamo and we're looking for talented people at Djamo. We are building the neobank for 210 millions people in Subsaharan Africa.

Our goal is to build seamless and affordable banking solutions to bring millions of people into financial inclusion, where less than 25% of the population is banked. You can find out more about us on https://www.djamo.com

We’re hiring Staff Software Engineers to build high-performance, distributed systems in Typescript. You'll work on the largest neo-bank in the area to solve the toughest challenges we face.

What we’re looking for:

- 8+ years of experience in software engineering.

- Experience in designing the architecture for public-facing software that handles millions of requests per day.

Our stack is simple and scalable: Typescript, Flutter, Postgresql, Redis, Kafka. We run our servers on AWS.

You can directly join me at vianney at djamo.io

Djamo | Software Engineer | Remote (UTC-3 to UTC+3) | Full-time | https://djamo.com/

I'm VP of engineering at Djamo and we're looking for talented people at Djamo. We are building the neobank for 210 millions people in Subsaharan Africa.

Our goal is to build seamless and affordable banking solutions to bring millions of people into financial inclusion, where less than 25% of the population is banked. You can find out more about us on https://djamo.com

Here are our open positions: Staff Software Engineer, Mobile

If you're not in the roles but feel you can add something to us, feel free to contact me.

Our stack is simple and scalable: Typescript, Flutter, Postgresql, Redis, Kafka. We run our servers on AWS.

You can directly join me at vianney at djamo.io

Djamo | Software Engineer | Remote (UTC-3 to UTC+3) | Full-time | https://careers.djamo.com/

I'm VP of engineering at Djamo and we're looking for talented people at Djamo. We are building the neobank for 210 millions people in Subsaharan Africa.

Our goal is to build seamless and affordable banking solutions to bring millions of people into financial inclusion, where less than 25% of the population is banked. You can find out more about us on https://djamo.com

Here are our open positions: * Staff Software Engineer, Mobile * Data Analyst

If you're not in the roles but feel you can add something to us, feel free to contact me.

Our stack is simple and scalable: Typescript, Flutter, Postgresql, Redis, Kafka. We run our servers on AWS.

You can directly join me at vianney at djamo.io

Djamo | Software Engineer | Remote (EU / Africa timezone), or Hybrid | Full-time | https://careers.djamo.com/

I'm VP of engineering at Djamo and we're looking for talented people at Djamo. We are building the neobank for 210 millions people in Subsaharan Africa.

Our goal is to build seamless and affordable banking solutions to bring millions of people into financial inclusion, where less than 25% of the population is banked. You can find out more about us on https://djamo.com

Here are our open positions: * Staff Software Engineer, Mobile * Staff Software Engineer, Backend

If you're not in the roles but feel you can add something to us, feel free to contact me.

Our stack is simple and scalable: Typescript, Flutter, Postgresql, Redis, Kafka. We run our servers on AWS.

You can directly join me at vianney at djamo.io

Debit and credit cards are not popular everywhere. In Germany, their market share is below 50% in e-commerce transactions. In retail it's just above 50%. If you look at the overall volume, 82% of their transactions are made in cash.

Now, would they swap cash this solution? I doubt it... Privacy is a reason but not the only one.

Since there is a workaround it won't be blocked. You can check the FAQ for more details:

    Are paywalls ok?
    
    It's ok to post stories from sites with paywalls that have workarounds.
    In comments, it's ok to ask how to read an article and to help other users do so. But  please don't post complaints about paywalls. Those are off topic. More here.

The closest I could find was a carousel[1], since clicking on a button will increment/decrement an index. I agree that the classic examples are missing. I would have like a simple counter and a TodoMVC.

[1] https://nuejs.org/docs/nuejs/reactive-components.html

I mean technically I would translate "nimium valedīxit" into "elle faisait trop d'adieux", which is also 6 syllables (with the advantage to keep the she). If you want to keep before, which is skipped in this latin transaction, then it would be 2 extra syllables.

Which is why I'm always using buster[1] when facing captchas.

https://github.com/dessant/buster/

It really depends what you're into and the languages you speak. Given we're on hackernews, maybe you're an English speaker who could be interested in math? 3Blue1Brown[1] is a nice channel.

1: https://www.youtube.com/channel/UCYO_jab_esuFRV4b17AJtAw/vid...

Djamo | Software Engineer, Devops Engineer, Security Engineer | Onsite, Remote (EU / Africa timezone), or Hybrid | Full-time | https://djamo.breezy.hr/

I'm the head of engineering at Djamo and we're looking for talented people at Djamo. We are building the neobank for 210 millions people in Subsaharan Africa.

Our goal is to build seamless and affordable banking solutions to bring millions of people into financial inclusion, where less than 25% of the population is banked. You can find out more about us on https://djamo.ci

Here are our open positions: * Senior Software Engineer * Senior Security Engineer * DevOps Engineer * Site Reliability Engineer

If you're not in the roles but feel you can add something to us, feel free to contact me.

Our stack is simple and scalable: Typescript, Flutter, Postgresql, Redis, Kafka. We run our servers on AWS.

You can directly join me at vianney@djamo.io

You obviously haven't been to Belgium, which has 6 governments (and prime ministers) for a country that has the size of 1/10th of Italy. Decentralization has benefits, yes, but as for everything there are limits to it.

These are the permanent ones. In you include temporary bases in Africa the list is longer. For 2021 it was: Djibouti, Côte d'Ivoire, Senegal, Gabon, Mauritania, Mali, Burkina Faso, Niger, Chad.

Hey! I was just curious about two things:

- what's the privacy policy?

- how can one request data / delete their account?

congrats on your launch!

When playing dogs will indeed bark, growl and whines, but also produce a forced exhalation: that's their laugh. Other sounds can be produced in other contexts indeed, whereas this dog laughter is exclusive to play.

This is an accurate recording of dog laughter: https://www.youtube.com/watch?v=nIj4WAP6BaI

According to research[1] whispering while playing with your dog can initiate play more reliably. This is because our whisper is closer to the frequencies of their laugh. It is even more powerful than the play-bow.

[1] https://www.petalk.org/LaughingDog.pdf

Impressive work, congratulations! Do you know if any organization is already using it somewhere? What were the biggest challenges when you took up this project?

I'll try to run it with podman, it's interesting to see more container runtimes.

If not, what's wrong with it "spread[ing]" everywhere?

Because then it's a monopoly. I'm taking shortcuts but having a single browser engine controlled by a single company means that you rely on that company to define what is tomorrow's web like.

Location: Brussels, Belgium

Remote: Yes

Willing to relocate: No

Technologies: Java, Javascript, Rust, Elixir, / MariaDB, Redis, Elastic Search, Kafka / Prometheus, Grafana / Ansible, Terraform / React, Redux

Résumé/CV: https://n4v1.com/cv.pdf

Email: vianney @ domain above

Hey!

I'm a software architect / engineering manager in a fintech company. I helped my company bootstrap in a new market (India) and set up a payment infrastructure now able to process >20M€ / month.

I love programming, so I'm also working on various side projects in the evening and week-ends on other technologies. Lately I've been doing some game development, elixir training, rust libs and I just got my hands on OpenAI GPT-3 API keys.

If you're looking for someone to lead a team or design architectures to solve tough challenges, drop a mail!

I believe merchants are not allowed to charge extra for visa or mastercard, but there is a hefty commission payed to them. This is not the case in India but is the case in other markets, yes. The IRCTC (national railway company) is for instance displaying it and the customer has to pay fees depending on the selected payment option. Some actors even hide this amount until you reach the page asking you for an OTP! I don't think it's necessarily done with malicious intent, but it exists.

Sometime you won't see Visa or Mastercard but instead "Debit Card" and "Credit Card" vs "Rupay" for instance.

Ah maybe my comment is not clear, I am not judging on whether this is a good/bad move for people. I wanted to explain that the card number will still be stored: it only applies to recurring payment (at least for now). So for anyone worried about entities storing the card number... this will continue.

I understand the confusion, but just to clarify I'm a big fan of UPI :).

Now, is it good move for the people? It's a complex topic, one could write a lot about it. This move will push people away from cards because card tokenization won't be supported for a while, making recurring payment harder. It's well known that very small amounts of friction can drastically reduce the conversion rate. Entering the card details every time is a hassle for sure.

So more UPI payments. But today there are no MDR for UPI transactions, meaning fintechs and banks are losing money when they process these transactions. For banks, it's supposed to be ok because a digital transaction is cheaper than a physical one. For fintechs, this is tough, you need to find money somewhere else. So less money = less incentives = less innovation. However there have been talks to put back some fees on UPI (banks are pushing a lot on this).

On the other hand, more card payments = higher MDRs. So merchants or customers, or both, will pay more to process the transactions. Banks and fintech get more money. But with a lack of competition, because of the current duopoly (Visa/Mastercard), and the difficulty to enter the market due to strict regulation, innovation is far from its peak. Just by looking at how long 3DS2 takes to roll out you can see that there is a lot inertia.

It's not black and white, as often. Personally I think UPI is a better direction. The only downside is that's it is only for domestic payment. I'd love to see an EU initiative as successful as UPI: instant payment could be the EU equivalent but the fees are crazily high in some countries.

Disclosure: I work for a fintech in India, specialized in card payment.

It seems here people see this rule as "merchants can't store card numbers any more". This is actually a lot more than that, this is the new rule: you cannot store card numbers for recurring payment. Even if you are PCI-DSS compliant. Even if you are audited by the RBI. Even if you're sponsored by a bank. The only way to store a Visa number is to use the Visa tokenization service.

Now if you know a bit of the card payment industry, you will know that you need the card number just to process the payment, the refund, etc. So you still have to store the card number. And you can. You just can't use it for recurring payment any more.

My personal take: Giving full control to Visa and Mastercard over their card numbers for recurring payment seems to be a nice transfer of power to these two giants. But the time scale has been very short (a few months only). So practically, most recurring card payments will stop working or be illegal in two weeks. This is will more or less break existing subscriptions working with cards.

India (the RBI at least) has been in a campaign for independence in the payment infrastructure. American Express[0], Diners[1], Mastercard[2] have been banned in India. Diners' ban has been lifted now, but still. Rupay is a failure with a market share of 0.34%[3] (in comparison UPI is at 37.73%), in spite of having ZERO MDR on debit transactions[4].

This change is not for the sake of security. You can have the best firewalls, cutting-edge HSM, security team and pass 12 audits a year. You will be allowed to save these card numbers but you won't be able to authorized to use it for recurring payments. This is just a move against cards, and to promote UPI instead. By making recurring card payment a hindrance, more people will transition to UPI.

[0] https://www.americanexpress.com/en-in/company/notice/rbi-imp... [1] https://www.reuters.com/article/india-banking-american-expre... [2] https://westfaironline.com/138440/mastercard-banned-from-new... [3] https://www.npci.org.in/PDF/npci/statics/RETAIL-PAYMENTS-STA... [4] https://economictimes.indiatimes.com/opinion/et-editorial/st...

Nothing to worry about, this is actually on the site. However the output is collapsed by default because it's very long. CTRL+F "View the original iptables rules" and click it, you will see what you saw in the source.

I'm not a climate expert but already heard of this concern. It is well known in the scientific community, for more reasons than just gas emissions actually. The current techniques destroy many elements from the soil, making it very poor, which in turns increases the need for fertilizer, and leads to less biodiversity and more pollution.

The IPCC is explaining in details the impact of N2O, since the 90s [1]. The IPCC is also providing synthesis to stakeholders, but I didn't check what are their stance on N2O in these summaries.

I would say it's more absent from political discussion, which is only half true. If you promote organic agriculture (which is already subsidized in many countries), you're de facto inciting farmers to reduce the use of fertilizers, leading to less N2O emissions.

[1] https://www.ipcc.ch/site/assets/uploads/2018/05/ipcc_wg_I_19...

Would you care to give a few examples? Where something was forbidden _without any law_ and then later allowed _with a law_?

Hasn't it been common knowledge for over a decade now that self-hosting email isn't "allowed" in practical terms?

Well I've been self hosting my emails for 10 years now, and my emails still go through. I'm sure there must be cases where you face issues, but not my in my personal experience.

Only thing I've seen once or twice are websites with "validation" rules like /.@(gmail|hotmail|yahoo)./

Disclaimer: not Indian but living in India and I've not attempted to perform this hack. But if I'm not mistaken a SIM swap procedure is the similar to asking for a new SIM.

For Vodafone India, in addition to traditional info (date of birth, passport number, address), they actually asked me to give the number of someone whom I've called with this SIM, then they called that person and asked them to verify my identity. I found this to be quite secure.

But maybe the procedure is different for foreigners (at least the SIM creation procedure is different).

Exactly, there are many ways in which the communities in and around the forest can benefit from a diverse forest. Various fruits trees, nuts trees are one way.

I grew up in the largest man-made woodland in Western Europe (Landes forest). I don't know about these organisations but I can say that "planting trees" is not enough, there are very different ways of doing it. So I always take it with a pinch of salt.

Let's the bad example of the Landes forest. It's a monoculture, all of the trees are the same: pinus pinaster. A "forest", usually shaped like a rectangle is just a block of pine trees having the same age. Everything else is cut, removed, because it would slow down the growth of the trees. At 35 or 40 years old, the entire block is erased. After that it's like a minefield, till the new trees are planted.

Now is that a good forest? Well it depends what you hear by "good forest". Wildlife is very scarce, because animals depend on an ecosystem, and not just one type of tree. To hide, to eat, to reproduce, to protect themselves etc. So, sadly, you will hear more birds in a town or city that in that kind of forest.

Is it resilient? Absolutely not. Since all trees have the same age, and the same weakness, these forests are very vulnerable. It takes one parasite (bark beetles or pine processionary for instance) to wipe out kilometers of forest. When usually trees in the middle of the forest are different from the one bordering it to resist to strong winds, here when a strong wind blows it can destroy an entire corridor (you can actually see the corridor) in the forest.

Does it consume a lot of carbon? Well, I could not find accurate numbers for that forest. I hope so. But is it sustainable? Hell no.

If you ask me, the best solution, instead of planting trees, is to just buy lands and let trees grow by themselves. It starts a bit messy, but after a few decades, the forest becomes self sufficient and resilient. And most importantly: full of life.

Now the greatest irony, at least in France, is that it's illegal. If you buy forests and plan to leave it alone, you'll be blamed to have "too much biodiversity". This is not a joke: it's called "Plan simple de gestion".

Run this in the console:

  document.body.classList.remove('preload');