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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. Thijs Niks‏ @thijsniks 12 Jul 2020

      We have lived in the US for 18 months now and had to deal with more fraudulent charges on our cards and bank accounts (about $2000 😳) than in the previous 30 years of living in Europe (a nice round $0). I just don’t understand everyone is ok with this broken system.

      31 replies 27 retweets 278 likes
      Show this thread
    2. John Wilander‏ @johnwilander 13 Jul 2020
      Replying to @thijsniks

      I’ve worked in European banking and discussed this issue with security ppl on both sides of the Atlantic. Comes down to these two things in my experience:

      1 reply 0 retweets 0 likes
    3. John Wilander‏ @johnwilander 13 Jul 2020
      Replying to @johnwilander @thijsniks

      1. The US market is geared toward convenience and the European one toward low/no fees. To have low fees you have to reduce fraud whereas you can offer more convenience if you’re able to make up for the fraud through higher fees.

      1 reply 0 retweets 0 likes
    4. John Wilander‏ @johnwilander 13 Jul 2020
      Replying to @johnwilander @thijsniks

      2. The US has been a huge single currency market for a long time and has more inertia. This is why the US “skipped” chip and pin and lived with rampant fraud tied to swipe and sign. Now USA is going straight to contactless. Online still has a lot of manual CC forms though. 🙁

      1 reply 0 retweets 0 likes
    5. Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @johnwilander

      There is definitely no economy or regulatory incentive to reduce fraud, but I don’t quite understand why having a large and old market is a problem. The EU is larger and fixed it in a shorter amount of time. Contactless won’t solve it either…

      1 reply 0 retweets 0 likes
    6. John Wilander‏ @johnwilander 13 Jul 2020
      Replying to @thijsniks

      The why it was explained to me by Americans was "We pioneered the credit card and the magstripe, and once we have something working, we stick to it. It takes an enormous force for us to change the whole country's payment system."

      2 replies 0 retweets 0 likes
      Thijs Niks‏ @thijsniks 13 Jul 2020
      Replying to @johnwilander

      That’s definitely what seems to be happening, but I find it so hard to accept that this country of incredible innovation and production wouldn’t be able to introduce pins ¯\_(ツ)_/¯

      9:21 AM - 13 Jul 2020
      1 reply 0 retweets 0 likes
        1. New conversation
        2. John Wilander‏ @johnwilander 13 Jul 2020
          Replying to @thijsniks

          Pins is not primarily about inertia, it's about convenience. And I think Americans are onto something there. Paying for things online in Europe was and still is a huge pain whereas it's mostly very simple in the US.

          1 reply 0 retweets 0 likes
        3. Thijs Niks‏ @thijsniks 13 Jul 2020
          Replying to @johnwilander

          Certainly agree it’s easier in the US, but more people in Europe are buying things online (72% vs 58%) https://www.oecd.org/going-digital/unpacking-ecommerce.pdf … And 18% of sales in the EU are online https://ec.europa.eu/eurostat/statistics-explained/pdfscache/14386.pdf … vs 12% in the US https://www.census.gov/retail/mrts/www/data/pdf/ec_current.pdf …pic.twitter.com/T5iZv9cHPv

          0 replies 1 retweet 0 likes
        4. End of conversation

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