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How the hell do you even think “it’s fine, I’ll put this password in plain text” when literally building an app for a CREDIT UNION? Obviously it’s not acceptable to do that anywhere, but you would think they would think just a little bit harder about the decision when working with such sensitive data?
Plenty of cheap labor contractors will write up the basics without paying attention to things like encryption. I know because I’ve had to work with that sort of thing
I wouldn’t be surprised if this is the result of “near shoring”/outsourcing technical work to foreign countries.
