Category: Rants

I have spent many years working with Landgate, the state government Department of Land Administration. It’s a well known AWS Case Study, and a platform that is available for other land jurisdictions of the world if they wish to move to it.

One of the integrations that implemented is from/to the Electronic Lodgement Network Operators (ELNOs) to facilitate electronic settlement of property transactions, of which only one is currently active in Australia, Property Exchange Australia, otherwise known as PEXA.

Using PEXA saves settlement agencies, and banks from having to send representatives to a specific location at a specific time with the assortment of cheques, paperwork, and other administration that, should one thing be out of order, causes settlement to be delayed (a costly exercise). Many transactions types have now been mandated to be done via electronic interfaces, one of the first of which in Western Australia was the Discharge of Mortgage.

More than 80% of transactions on the land registry are a property being sold while under mortgage, to someone else who has also taken out a mortgage. This is called DTM; Discharge, Transfer, Mortgage. It’s one of the first transactions that the Advara platform automated the validation of data submitted, saving huge amounts of manual effort.

For a transaction submitted by PEXA, the general turn around time on data validation and transaction approval has now dropped to around 10.8 seconds, down from historical highs of ?30 days.

My Transaction

I was recently purchasing a new property (my home study is occupied by a rather adorable 5 year old girl, IMHO) and armed with the workings of the land titling system, I figured I’d actively watch my settlement transaction.

PEXA has created a user application called PEXA Key, for Android and iPhone, that permits sellers and purchasers to be invited to their property settlement transaction.

All a settlement agents needs to do is collect a mobile phone number and email address from the seller or purchaser, and enter into into the PEXA workspace.

I enquired about this to the real estate agent selling the property, and then in turn my settlement agent, and none of them had heard of this, much less actually done it. So I pushed on, and lo, managed to have them submit my details.

This post shows what happens next.

A Text Message

I received a text message almost immediately – with variables shown where real names were used:

Hi JAMES,

${SETTLEMENT_AGENT} has invited you to download the PEXA Key app to track your settlement. Check your email for more details. Get the app free here key.pexa.com.au/download or exclusively on Google Play or Apple App Store.

Text message I received after my settelment agent registered me in the workspace.

I quickly complied, and was then sent a security activation code.

The app then told me when my settlement had been scheduled for, and any pending tasks that I was responsible for (as it happened, I had already done everything, so it was fine).

This immediately gave me piece of mind, knowing the transaction workspace was set up and pending.

The morning of settlement came around, and I was greeted with this:

I nervously checked the application every few minutes to see what would happen next.

And so it begins

It turned out that the process was initiated around 10:25am or so, after which the PEXA Key application showed:

OK, strap in, the wheels are in motion.

It took around 40 minutes until all was done and dusted, and the final result came through:

A few hours later, a new set of house keys were in my hand.

This has to be the most expensive testing I have ever personally done! 😉

The inclusion of the end customer in this process, which just simple visibility, is something that I think should be offered to all parties in the transaction to bring confidence and clarity in the progress or inhibitors in the transaction.

Key to this (pun intended, in two ways) is the swift and efficient recognition of land property transactions. My colleagues and I have worked hard to uplift the validation and security of the land registry system for years, and continue to do so. And as a customer of this system, it worked smoothly.

Some coverage of PEXA Key is here in Cyber Security Magazine (saying this stops an avenue of attack).

I recommend anyone buying or selling property to ask their agent to invite them into the settlement on PEXA using PEXA Key. As many in the real estate industry I have spoken to are unaware of this, you may need to explain this (send them this article’s URL), but its worth it.

---

Disclosure: I do not work for PEXA, nor have been asked by them (or anyone else) to write this. I share the above to assist anyone else who would like to see their property transactions being processed. While PEXA is a national (Australian) electronic settlement platform, the turn around time from each separate land jurisdiction to validate and register the transaction will vary. Indeed, I’d challenge any of them to beat 10.8 seconds full validation!

Many organisations are today able to access their email, corporate video conferencing and other services while mobile and without being connected to their company VPN endpoint.

Universal access over the Internet – on IPv4 and IPv6 – working seamlessly wherever you are to these services just works. It’s liberating, and no one is jumping up and down asking about the firewall, VPN.

Key amongst the platforms being used to give this is Microsoft Office 365 and its various platforms.

So why do you still have a corporate VPN? Why does your existing corporate IT services require you to jump through hoops to access it?

Let me be direct: your corporate strategy on security is based around lowest cost, lowest effort. This budget approach also means the least amount of work for the technology staff who operate these services for your organisation.

Office365, Salesforce, and a slew of other universally-just-works over the Internet solutions have something that the bespoke solutions you have in-house do not: funding to operate as such.

The main premise when you make services available over the internet is a commitment to do several things from an operational perspective:

1. Support newer encryption protocols (TLS) over time, and remove older encryption protocols (TLS) over time
2. Add new encryption ciphers over time, and remove older encryption ciphers over time
3. Use federated sign-on (single sign-on)
4. Maintain (update) the single sign on service over time, with continual uplift (eg, introduce MFA)
5. Examine logs and look for anomalies in access, and then automatically lock out a user, and iterate improvements into the application

Your organisation probably does not do this. Your company’s IT operations team probably “keep the lights on”, ensuring the currently deployed application is responsive, poking it with a stick to ensure it moved. They probably didn’t uplift to TLS 1.3 in the last 2 years, and they probably haven’t removed TLS 1.1 and below.

And while they collect application logs, any review is probably pretty basic.

Why?

Doing so requires time, training, effort, experience and knowledge. Until you have a 24×7 DevOps team able to turn on a dime, a CISO who represents the security risk and operational response to the board, and a few other tell-tale signs, then your organisation is not ready.

All of the above requires a strong vision, strong senior leadership fro the top, and a strong funding model that prioritises the digital security of the company.

A traditional VPN means there is a controlled ingress point (in theory) as a single point to protect. Here you need to have the focus on encryption and authentication, but quite often most organisations just deploy a firmware on a device, install an initial config, and leave a device for years.

I’ve seen some MSPs deploy minor version updates on their security endpoints, but never adopt the major version updates they are entitled to, despite the customer paying support for the major upgrades. And still, when the major version upgrades were installed, the config was not adjusted to enable newer capabilities, or disable outdated options.

So, next time you have to VPN in to the company, ask yourself: why? Why are spending money on expensive bottlenecks that slow you down, instead of mature operations? The value proposition isn’t there. Budget. Focus. Leadership.

I first found my way online around 1991, calling into BBSes in Australia (such as Dialix). When I arrived at the University of Western Australia as an undergraduate in 1994, the ISPs were starting to be born, and I subscribed to Omen Internet ISP, run by Mark Dignam and his brother

In the early years of market acquisition, Omen was consumed by iiNet, and thus I became an iiNet subscriber on ADSL. iiNet was itself founded and staffed by friends across the industry in Perth, and during this period there was plenty of innovation happening in the organisations across ADSL and DSLAMs, connectivity, routing, and speed. They were one of the first to offer naked ADSL – not requiring a telephone number subscription.

I pushed off to the UK in 2003, and upon my 2010 return, I subscribed again to iiNet. They (had been) Perth based and started by friends, and plenty of friends had worked there in engineering and other role.

As I have experimented with IPv6 tunnels back in 1999 from UWA, I looked for this in iiNet, and found only 6RD – tunnelled/encapsulated IPv6 offering from iiNet. The downside of this experiment was that packets were tunnelled from the customer site, to iiNet in Sydney. As I was in Perth, my IPv4 traffic would hit local cache endpoints, but IPv6 would traverse 50ms of Australia before getting the change to peer to cache services. It was… sub-optimal.

However, iiNet started an IPV6 blog, and showed a promise that technical engineering was continuing.

Sadly, that last saw a post in 2013, and since then, crickets.

But that was not all.

It seemed that every year, iiNet would silently introduce a new service plan. This plan would be nearly identical to the one customers were already on, but with slightly larger included data plan, or slightly faster, or slightly cheaper. In any sense, always better. Customers would have to notice this newer plan, and then request to move to it (later, this was self service in the iInet customer Toolbox). But it always took an action by the customer to ensure they continued to get value from iiNet. This meant that customers couldn’t trust iiNet to always be getting the best option. I recently discovered I was paying $10/month more than other customers, for the same speed internet access, and still unlimited downloads.

I don’t think this is overly customer focused. They are looking after their interest, rather than long term customer satisfaction and retention.

So coupled with the decline in engineering, and faced with an impressive price/performance offer from a competitor, I have finally churned away from iiNet.

I contracted Aussie Broadband on Monday 1st June at 9am. By 11am the same day I had a 1GB/sec internet connection with native IPv6 enabled (FTTP). I am in the process of porting over the home phone number I have had with iiNet for a decade.

Am I paying more? Yes.

Is it better? Yes.

I went from a 50/20 NBN unlimited plan, with a VoIP service with all Australian land-line and mobile calls included; it was AU$89/month, while iiNet’s new offering was $79. I ended up on 1000/50 NBN unlimited plan, with a VoIP services with all land-line and mobiles calls included for $169/month. 2x the price, 20x the speed.

Does that make it 10 times better? Hmm….

But more importantly, as they introduced this plan, Aussie indicated their existing customers on their legacy, more expensive yet slower plans would be migrated to this without them having to lift a finger. Proacticely better for their existing customers.

This breed customer trust.

So with two knock-out blows — innovation in engineering, and customer focus — I finally pulled the pin, giving up on the hope that the iiNet of old would engineer its way towards a modern ISP with a strong customer focus.

I have had a number of friends and colleagues move to Aussie Broadband in the last few months, and thus far I haven’t seen any one have any issues that haven’t been resolved quickly and capably. What held me back was my included phone number via iiNet, but that has now ported the phone number across to Aussie as well.