Germany is one of the most conservative societies in EU, they still insist on cash.
Germany is one of the most conservative societies in EU, they still insist on cash. But even so, I'm surprised you can do large-value payments without PIN; even if you have a contactless card, those are limited to small-ish sums (less than 100E I believe) - so yeah you can buy a croissant, maybe you can even buy lunch in most restaurants - but it still can randomly ask for PIN on some expenses, AND it always asks for large expenses. > Why is there no political will to do it? I don't know but I don't think there's a simple answer. Certainly not "it's too expensive", US can afford it. There's a cultural element to it, there's probably lobby of some interested parties. With cards in particular, it's also consumer apathy (as you say, people don't care - so no strong lobby is needed because no real demand for change exists). And maybe other reasons. But I don't think the status quo holds because it's too hard/expensive to change - it holds because there's not enough demand to change it. A very simple way to change all this would be a law that moves liability to the bank (instead of merchant) in case of fraud. Sure banks would hate it (which is why it won't happen), but also if it happened, they'd then have actual incentives to prevent fraud/ would need to start seriously contemplating "what is more expensive".
Posted by virgilp on Nov 14, 2024, 7:44 AM
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Raise real-world problems, find people facing the same issue, and discuss solutions.5,000 issues0 comments
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While I hate that it's like this, you're leaving money on the table.
The biggest problem with micropayments is how credit card payment processors work.
I think with the advent of cheap Chinese electric cars (new BYD for 7-9k€ in China) VW will die a slow death, slowed down by tariffs, tax...
The German bank I have an account with solves this by making the statements available online and considering them delivered if the statem...
Feature Request: India-Specific Pricing Plans (INR) for Claude & Claude Code
Think about cabinet from 1972 for one electricity meter.
You're right, but until the laws change we should be telling everyone how and make these tools better.
I worked in this industry as a software developer.
Germany is one of the most conservative societies in EU, they still insist on cash.
Germany is one of the most conservative societies in EU, they still insist on cash. But even so, I'm surprised you can do large-value payments without PIN; even if you have a contactless card, those are limited to small-ish sums (less than 100E I believe) - so yeah you can buy a croissant, maybe you can even buy lunch in most restaurants - but it still can randomly ask for PIN on some expenses, AND it always asks for large expenses. > Why is there no political will to do it? I don't know but I don't think there's a simple answer. Certainly not "it's too expensive", US can afford it. There's a cultural element to it, there's probably lobby of some interested parties. With cards in particular, it's also consumer apathy (as you say, people don't care - so no strong lobby is needed because no real demand for change exists). And maybe other reasons. But I don't think the status quo holds because it's too hard/expensive to change - it holds because there's not enough demand to change it. A very simple way to change all this would be a law that moves liability to the bank (instead of merchant) in case of fraud. Sure banks would hate it (which is why it won't happen), but also if it happened, they'd then have actual incentives to prevent fraud/ would need to start seriously contemplating "what is more expensive".
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