Keep seeing people talk about payments as B2B vs. B2C. Don't think that matters - it's the "B2..." that matters. B2anyone vs. C2anyone is the better framing.
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Replying to @dadiomov
I mean, what is even the logic for a split between businesses and consumers?
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Replying to @thijsniks
I think the main diff is that a consumer is a unit of 1 so a lot of things are easy because no coordination is required. For businesses, especially bigger ones, you get into the whole "who should have the authority to make this payment?" so there's definitely more coordination.
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Replying to @dadiomov @thijsniks
B2B buys are likely tied to a metric B2C buys are likely tied to an emotion
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I don’t think that has much impact on how payment systems should be build though. Businesses and consumers don’t get different water pipes or electricity either.
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Replying to @thijsniks @dadiomov
Water pipes and electricity aren’t a free market purchase, no selling needed. SaaS products on the otherhand do have free market pressures (ie metric driven buying). Consumer product also have free market pressures (ie emotional buying)
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My take is that core payments systems also shouldn’t be a free market choice (because ultimately it’s the central bank that provides the guarantees), though services on top of course are free to differentiate
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