It’s fascinating to see Mexico push their CoDi payment standard so much https://www.codi.org.mx though I don’t understand why they complicate what is ultimately just a simple SPEI barcode equivalent to the EPC-QRhttps://www.europeanpaymentscouncil.eu/document-library/guidance-documents/quick-response-code-guidelines-enable-data-capture-initiation …
What’s interesting about CoDi/SPEI is that they still split the messaging and settlement layer of the transfer, which shouldn’t be necessary if SPEI was just fast enough and banks trigger deposit notificationspic.twitter.com/KK5KLkaQeg
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It’s crazy though that Mexico currently requires this instant bank transfer service to be free (because of the positive externalities for society) yet they are considering charging for small amounts (exactly where you compete with cash)pic.twitter.com/E1LNYQr5tl
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