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We chatted two or three hrs; this article will be the summary of that conversation, my research, and my views, which I will explicitly reveal.
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Contrary to other mobile payment systems, Bizum will not be a standalone software. The System is integrated into the lender’s individual app and what it does is join your cell phone quantity specifically with the banking account. Because of this, dollars may be moved involving accounts in real time.
My curiosity in Bizum emanates from Discovering alternative ways of working on a successful product. Bizum has accomplished it, but their method of Doing the job is not conventional. They have to align dozens of banking institutions to iterate the merchandise, and the interface, support, and customers are controlled with the financial institutions, not by an empowered Bizum item crew.
This can be the issue that triggered my curiosity in talking with a person from Bizum. On my position, I need to align people from diverse nations so we can easily acquire 1 product which happens to be 95% the same for all.
En caso de que se equivoquen y te envíen a ti dinero por mistake (o no quieras que te paguen esas cervezas a las que querías invitar) puedes rechazar una solicitud de pago por Bizum a través de la application móvil de tu banco: selecciona la opción “rechazar” en la orden de pago.
Banks at both sides of the Atlantic have been presently wary of the growth of Venmo in The usa (peer-to-peer payment app), and a lot more when Paypal purchased it at the conclusion of 2013.
Bizum is quite easy to use, it truly is compatible with the vast majority of banks that operate in Spain and, besides sending, requesting and acquiring funds, it also enables you get more info to make payments inside the institutions attached to the platform or make donations to an NGO.
With this context, we should always strive for a truly pan-European instantaneous Remedy as opposed to repeat previous shortcomings.
within our scenario -Spain-, the regulator decided to outline a framework and timeline which triggered that The entire banking field would join The brand new plan (SCT Inst) at a coordinated pace"
Together with your N26 card, you are able to withdraw income without cost from any ATM, whatever the lender it’s affiliated with. Some ATM operators may well demand you a €2 price, but don’t be concerned: you may request a refund by calling our Consumer Assistance.
Spain is the only real case in the world where a great number of financial institutions have agreed to produce a exceptional payment Option.
They might lower the cost of running funds and cheques, that happen to be the most expensive implies of payment at the level of your complete economy. They more aid electronic and cell commerce payments.