Well, you could do that, but that sucks. Not just in philosophy (I don't want to download your crappy app - this applies to any country) but also in practice.
replyThankfully Americans at least have enough purchasing power that the demand for convenience - just take my money with this card will keep us away from bad solutions in Europe.
>Well, you could do that, but that sucks
replyOnly sucks for the Americans though, I think most people non American countries will be fine with that
No it sucks for everyone haha. It's an objectively worse experience compared to just using a card (debit or credit).
replyThe vendors you'd pay with Pix in brazil are typically the vendors who may not even accept cards at all, it's pix or cash.
reply(Although you CAN pay with pix at many supermarkets, I'd rate it as rare. Also useable for online payments, but you take the risk in case of fraud, unlike with creditcards)
Thanks for the information, reminds me of CashApp or something like that in the US. But just to be clear the context was, at least as I understood, moving to using an app instead of using existing credit card rails via Visa and Mastercard and that's just not going to happen because it's a worse experience (in Europe).
replyIf you don't have the ability to accept a card at all, that's a different use case.
All the locals can use cash. Friction free. Objectively better
replyCash can get misplaced or stolen, you have to keep going to an ATM to get more of it which for most costs money (my bank pays for ATM withdrawals globally for any fee), it's not nearly as convenient as a credit/debit card though it's cheaper. Though maybe it's not since merchants never lower prices and even if everyone switched to cash prices wouldn't go down. Also there are costs for the merchant to carry cash.
replyI think your everyday credit/debit card is still objectively better overall, even moreso for tourists which was the main topic.
>you have to keep going to an ATM to get more of it
replyNot if you are paid in cash by your employer
Are we not talking about tourists anymore?
reply>No it sucks for everyone haha
replyWe were until this guy joined in!
"Everyone" in this context was tourists. If you want to change the subject that's fine, but be honest about it.
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