Primarily flexibility of creating ‘real’ separate accounts. Control on who can take money from your account. Rock solid V2 design. They cracked banking UI / UX and then deleted it. Most of what Bunq does, I can do with old banks, but not as easy as Bunq offered it.
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Replying to @jansn @thijsniks and
Care to elaborate on why separate IBANs (as opposed to just proprietary “buckets”) matter for money mgmt?
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Replying to @timmolendijk @thijsniks and
You can’t pay from a proprietary bucket when paying for food at restaurants, when checking out from hotels etc. You’d have to move money from the bucket to the payables account ^^
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Replying to @jansn @thijsniks and
couldn’t you just “link” your card to the “restaurant bucket” (in the app) right before making your payment?
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Replying to @timmolendijk @jansn and
That could work. And incoming transfers or direct debits could go to an “inbox” before you route them to the correct bucket. Bit of extra administration though
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Replying to @thijsniks @jansn and
I’m lacking detailed knowledge of SDD but doesn’t it usually involve a bank-side authorization step? (In which case, the administration could be dealt with there.)
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Replying to @timmolendijk @jansn and
A bank customer doesn’t have to authorize direct debits, but a bank could certainly choose to require it
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Replying to @thijsniks @jansn and
a bank customer has to sign a mandate, isn’t it? in a digital env this is usually done via federated bank auth, afaik. or is that just an nl thing?
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Replying to @timmolendijk @jansn and
I would be surprised if the four corner model where you are redirected to the bank website is used for more than 10% of direct debits in the Netherlands
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Replying to @thijsniks @timmolendijk and
I don’t know about the % of total of direct debits, but iDeal has a market share of 55% of ‘online transactions’ in NL. Source:https://stripe.com/docs/payments/ideal …
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Ha! I kind of expected an even larger market share for iDeal https://www.ideal.nl/cms/files/eCommerce-Payment-Monitor-2018.pdf … (Who is using AfterPay??)pic.twitter.com/njZms2OBaq
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Replying to @thijsniks @timmolendijk and
I don’t even know what that is!
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Replying to @thijsniks @Reinier and
What do I see on Saturday morning TV? (Teleshop on RTL)pic.twitter.com/eyJT2fFeP8
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