Ah I see, yes app/web OTP is one of the best methods, unless people are calling to report the app/website not working (a workflow I’ve seen many times) The industry has put hundreds of millions into voice recognition but the sample size required for AI to trick voicerec is really low now.

You actually want them to do this, it’s terrifying easy to set up a cell tower or call centre and convince banks and people you are customers or banks.

This is correct, i should have said “telephone banking password/passcode” but also the security questions are at best hash encrypted (so basically plain text). I had thousands of hours of call recording and millions of customer details on my work laptop all unencrypted. The security for enterprise telephony companies is seriously lax, I wouldn’t be surprised if a few unexplained leaks originated from these companies.

The company that provides your banks phone system has full access to pretty much every piece of information your bank holds on you, including call recordings, phone numbers, addresses, debts, credits, and your phone password. We can trick our own systems into thinking it’s you on the phone.

Avoid calling your bank at all costs, and if they call you say “no thank you I’ll do that online or in branch”, as soon as you pass security the phone system is accessing all your data. If possible go into branch or do everything on a banking app which has far better security.

No problem, I remember researching the available panels at the time and selecting the most efficient and playing panel Tetris to get the most possible on the roof.

In the end the installer did a last minute switch, but although the panels were not the best available they were pretty close. The most annoying thing was that the panels were slightly different dimensions and the installer insisted in wider margins around the panels so I ended up with several fewer panels overall, ruining my carefully planned layout.

I have never felt so personally attacked by a SpongeBob meme.

In 2011 in my Region of the world (Europe) there were no commercially available panels to buy that could hit anywhere near 20%

I’ve not read this paper fully but I suspect it’s referring to lab testing, or panels produced in small numbers and 10x the cost of all other panels. Mine were REC240PE for reference.

Edit: that chart is titled “Best Research-Cell Efficiencies” so this is lab testing and it’s exactly the point of this thread… “35% Efficiency, Why is this not in stock at Costco!?!”

And I completely agree with you, it’s always going to take a while.

I just remember years ago when it was promising a 50% increase in efficiency, but then regular panels caught up and achieved that anyway. This game of cat and mouse has been running for Elon Musk’s Full Self Driving level timelines.

I believed the hype and in ~2020 decided to wait to add a 2nd array until perovskite panels were released “early next year”, and I’m still waiting 3 years later. I hear they will be produced early next year, so that’s something to look forward to.

I just looked it up and it’s actually rated at 14% peak, but no it’s just the 2010/2011 series of Polycrystalline cells, it was a premium panel when I bought them.

My panels are 12 years old and approx. 12% efficient, treble the power from the same roof space would be a very tempting upgrade, as long as the price does not go up too much.

To put it into perspective, perovskite solar cells have had multiple headlines a month as a “breakthrough“ and “just around the corner” for more than ten years. I think those that follow this tech are just getting a little disappointment fatigue. Awesome tech though - I just hope they can make it stable enough to last in real world conditions soon.