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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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    Two-way (sending and receiving) short codes:

    Country Code For customers of
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    1. Bob Jansen‏ @jansn 2 Jul 2020

      My move away from @bunq has started. For now back to @ING_news. I’ll definitely miss some of the services Bunq offers. With their ignorance on recent changes, blocking their customers from their forum and blatant increases of fees, it’s time to end it. Goodby bank of the fee.

      2 replies 0 retweets 9 likes
    2. Reinier Ladan‏ @Reinier 2 Jul 2020
      Replying to @jansn @bunq @ING_news

      Same. I'm going to miss certain features, but they're not enough to keep me in the Stockholm Syndrome Distortion Field™.

      1 reply 0 retweets 3 likes
    3. Thijs Niks‏ @thijsniks 2 Jul 2020
      Replying to @Reinier @jansn and

      Would love to hear which bunq features you will miss!

      5 replies 0 retweets 0 likes
    4. Casper Bakker‏ @casperbakker 2 Jul 2020
      Replying to @thijsniks @Reinier and

      Business credit card without weird credit limits and proper exports and API integration. It is so weird that this is (almost?) not available anywhere.

      1 reply 0 retweets 0 likes
    5. Thijs Niks‏ @thijsniks 2 Jul 2020
      Replying to @casperbakker @Reinier and

      Higher credit limit makes sense as a benefit. Cleaner (and more complete?) exports are valuable. What do you use the API for?

      3 replies 0 retweets 0 likes
    6. Casper Bakker‏ @casperbakker 2 Jul 2020
      Replying to @thijsniks @Reinier and

      Not 'credit' credit limits, but just as bunq: what is in my account is also the limit for credit card. Having half a million in your account but getting a letter from the bank that they need to re-check your balance sheets for you 5k credit card limit was driving me insane!

      1 reply 0 retweets 0 likes
    7. Thijs Niks‏ @thijsniks 2 Jul 2020
      Replying to @casperbakker @Reinier and

      Makes sense. So proper debit cards (as opposed to the standard Maestro ATM cards you get with Dutch banks)

      1 reply 0 retweets 0 likes
    8. Bob Jansen‏ @jansn 2 Jul 2020
      Replying to @thijsniks @casperbakker and

      I had three types: Maestro Debit, Travel Card (maestro with credit) and virtual credit cards. All managed in one tab in the app, connect it to any ‘physical’ account you want to. I think this is unique, but also hard to copy. I hope a big bank pulls this big move and unveils it.

      1 reply 0 retweets 1 like
      Thijs Niks‏ @thijsniks 2 Jul 2020
      Replying to @jansn @casperbakker and

      Hard to copy because it requires a flexible underlying software platform which other banks don’t have?

      12:26 PM - 2 Jul 2020
      3 replies 0 retweets 0 likes
        1. New conversation
        2. Bob Jansen‏ @jansn 2 Jul 2020
          Replying to @thijsniks @casperbakker and

          Many banks still process transactions in batches. These systems are extremely hard to replace. So for example in B2B software, you encounter a lot of ‘make or buy’ decisions. For banks, this operates at company levels. Do we innovate ourselves, or invest into or buy a startup?

          1 reply 0 retweets 0 likes
        3. Thijs Niks‏ @thijsniks 2 Jul 2020
          Replying to @jansn @casperbakker and

          Yup, though SEPA Instant Credit Transfers are likely a driver for making more bank systems real-time

          1 reply 0 retweets 0 likes
        4. Show replies
        1. New conversation
        2. Bob Jansen‏ @jansn 2 Jul 2020
          Replying to @thijsniks @casperbakker and

          That’s why so many banks have big venture funds, spending that same money internally will not even get them close to the level of innovation they can get by buying companies.

          1 reply 0 retweets 0 likes
        3. Casper Bakker‏ @casperbakker 2 Jul 2020
          Replying to @jansn @thijsniks and

          You also need the backend systems to build great frontends. But should also be a stable company. At this moment I only have hope with Stripe, for our company credit cards at least.

          0 replies 0 retweets 1 like
        4. End of conversation
        1. Bob Jansen‏ @jansn 2 Jul 2020
          Replying to @thijsniks @casperbakker and

          And on the upside, when you invest but not integrate it into the business the money might be well invested over the long-term :) Which is their game anyways, investing money!

          0 replies 0 retweets 1 like
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