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thijsniks's profile
Thijs Niks
Thijs Niks
Thijs Niks
@thijsniks

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Thijs Niks

@thijsniks

Product Manager for ☎️ at @WhatsApp / ❤️ retweets

San Francisco, CA
thijs.niks.nu
Joined February 2009

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    1. Owen Williams  ⚡‏Verified account @ow 15 Jan 2020
      Replying to @juanbuis @icerfish

      how do you even survive haha! fintech stuff???

      1 reply 0 retweets 0 likes
    2. juan‏Verified account @juanbuis 15 Jan 2020
      Replying to @ow @icerfish

      there's a longer story here that i'll save for another time, but in general i just use my dutch account + revolut... but now that i've officially moved it's about to get a lot more complicated

      1 reply 0 retweets 1 like
    3. Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @juanbuis @ow @icerfish

      So… I actually think Maestro+iDeal is a stroke of genius (low fraud, low cost) and every (European) country should do it.

      2 replies 0 retweets 1 like
    4. Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @thijsniks @juanbuis and

      Paying directly for accounts is an equity problem, but unfortunately a side-effect of negative interest rates.

      1 reply 0 retweets 0 likes
    5. Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @thijsniks @juanbuis and

      Payment requests work well now. Transfers are instant. ING app is good. Apple Pay is supported. What’s missing?

      2 replies 0 retweets 0 likes
    6. Owen Williams  ⚡‏Verified account @ow 15 Jan 2020
      Replying to @thijsniks @juanbuis @icerfish

      I'm not saying Credit Card companies aren't shit, but you miss out on a *lot* of proven infrastructure with iDEAL

      1 reply 0 retweets 0 likes
    7. Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @ow @juanbuis @icerfish

      I’m very aware (after making payments work globally for Uber for 5 years), but that’s mostly inertia not great system design. Build iDeal for the eurozone and all of the sudden it’s a seriously supported option. Card networks are so hacked together.

      3 replies 0 retweets 0 likes
    8. Owen Williams  ⚡‏Verified account @ow 15 Jan 2020
      Replying to @thijsniks @juanbuis @icerfish

      Even on the receiving end with Stripe supporting iDeal, it was painful, synchronous and very messy to accept it. But, low cost, at least.

      2 replies 0 retweets 0 likes
    9. Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @ow @juanbuis @icerfish

      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

      1 reply 0 retweets 0 likes
    10. Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @thijsniks @ow and

      Society needs low cost infrastructure

      1 reply 0 retweets 0 likes
      Thijs Niks‏ @thijsniks 15 Jan 2020
      Replying to @thijsniks @ow and

      France, for example, sometimes only accepts cash for getting a passport and I suspect it’s because of the card transaction fees

      9:12 AM - 15 Jan 2020
      0 replies 0 retweets 0 likes

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