i think you're right that there's competition in NL *but* they're not really competing on the global stage at all, just iterating on Maestro etc. But holy shit....france.... o no
Low-cost honestly is key, because it enables *everyone* to use it. Including poor people, government agencies, NGOs, etc. The card system excludes most of those, so checks and cash are still a thing in the US
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Society needs low cost infrastructure
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France, for example, sometimes only accepts cash for getting a passport and I suspect it’s because of the card transaction fees
End of conversation
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