Silent SMS is an incredibly convoluted and impractical way of trying to figure out someones location.
The whole purpose of mobile networks is to track a devices location (so you can route data to/from it!). Of course its easy to do it if your the operator or someone who has compromised it.
Typically open banking refers to a Banks provisioning of Oauth style APIs that allow users to share banking permissions with third parties. So a third party provider (eg payment company, budgeting app etc) can grab your statement data and trigger payments on your behalf just like you would from your mobile banking app.
ACH & SEPA are payments rails, which facilitate the interbank transfer of money. So for example, the app you have given permissions to make transfers to will request a transfer through the open banking APIs to your bank, then the bank itself will use the payments rails to process the transfer.
An ombudsman is a great route for any telco-related complaints, during my time at least they were flagged with the same (or higher) priority than vip-effecting issues.
Location: APAC
Remote: Remote/Hybrid
Willing to relocate: Open to Hybrid, AU/NZ/SG/MY/ID
Technologies: Product, Fintech, Payments, Lending, Banking, Remittance, Edtech
Product Manager, past 6 years a founder (Fintech, Series A), prior to that first-PM -> VP Product in a regional payments company. 11 years of exp in all, from IC to building & leading distributed teams of 100+ people.
Deep knowledge of financial services, especially payments. Passion for education, I run a non-profit training teachers. I have an engineering background, still very much hands on. Looking for roles in early/mid stage startups, ideally IC.
I'm fully aware of how unsatisfying this reply is, but unfortunately I can't seem to find links. It's been a few years since I was deep diving into ledgers and I must have cleared my bookmarks from that time.
Location: APAC.
Remote: Remote/Hybrid
Willing to relocate: Open to Hybrid, AU/NZ/SG/MY/ID
Technologies: Product, Fintech, Payments, Lending, Banking, Remittance, Edtech
Greybeard with decade+ exp building financial systems. Former VP Product, Founder (Series A+ Payments). IC to leading 100+ ppl teams and 0-1 multiple times. Engineering Background & still code but strictly for fun, prefer product roles. Not fussy on title but a bias towards scrappy teams and impactful work.
Not the OP, but perhaps because they live in a country where the gov blocks lots of useful websites, or they want to see public broadcast material (Eg pbs/bbc) from other countries, or because their ISP sells barely anonymised data to 3rd parts in bulk and on the cheap.
The whole purpose of mobile networks is to track a devices location (so you can route data to/from it!). Of course its easy to do it if your the operator or someone who has compromised it.