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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
    United States 40404 (any)
    Canada 21212 (any)
    United Kingdom 86444 Vodafone, Orange, 3, O2
    Brazil 40404 Nextel, TIM
    Haiti 40404 Digicel, Voila
    Ireland 51210 Vodafone, O2
    India 53000 Bharti Airtel, Videocon, Reliance
    Indonesia 89887 AXIS, 3, Telkomsel, Indosat, XL Axiata
    Italy 4880804 Wind
    3424486444 Vodafone
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    1. Joost van derMandele‏ @vdmandele 17 Oct 2020
      Replying to @timmolendijk

      Basically Mastercard's Maestro charges for a service that most banks (ING Mobile pay, etc) can take over for free (TomTom versus Google maps). *Credcards* are a technology that's basically just a method of predatory lending. PayPal is just a super expensive method to pay stuff

      1 reply 0 retweets 0 likes
    2. ʈim‏ @timmolendijk 17 Oct 2020
      Replying to @vdmandele

      You mean NFC payment directly from app-on-phone to merchant, without utilizing the Maestro network? Does this exist yet?

      1 reply 0 retweets 1 like
    3. Joost van derMandele‏ @vdmandele 17 Oct 2020
      Replying to @timmolendijk

      Apple pay in a way, but I think ING offers it in some form? Haven't used it in a shop but since I know ING allows payment through QR-codes, this should be super easy. If it's not there then question becomes 'why not' 😝.

      1 reply 0 retweets 0 likes
    4. ʈim‏ @timmolendijk 17 Oct 2020
      Replying to @vdmandele

      As far as I understand NFC payment solutions are all based on virtual cards, so effectively just (secure) wrappers for payment by physical card. But it's a jungle out there in the world of payments, so I might miss something. 😅

      1 reply 0 retweets 1 like
    5. ʈim‏ @timmolendijk 17 Oct 2020
      Replying to @timmolendijk @vdmandele

      You happen to know this @ThijsNiks? Why don't we have direct banking-app to merchant payments? Without the card networks?

      1 reply 0 retweets 1 like
    6. Thijs Niks‏ @thijsniks 17 Oct 2020
      Replying to @timmolendijk @vdmandele

      This has a couple of reasons, but the biggest one is: profit. ING makes some money on Maestro transactions, but none on QR code ones. So there is no incentive to support one over the other.

      2 replies 0 retweets 1 like
    7. Thijs Niks‏ @thijsniks 17 Oct 2020
      Replying to @thijsniks @timmolendijk @vdmandele

      Another big reason QR codes in Europe are worse than cards is the lack of feedback/reconciliation. Merchant sales and accounting systems can reliably close a transaction in under a second if you use a card, but the bank transfer doesn’t do that (yet)

      2 replies 0 retweets 1 like
    8. ʈim‏ @timmolendijk 17 Oct 2020
      Replying to @thijsniks @vdmandele

      iDEAL QR codes do not lack reconciliation, am I not right? Also, aren't SEPA instant payments pretty universal by now?

      1 reply 0 retweets 0 likes
    9. Thijs Niks‏ @thijsniks 17 Oct 2020
      Replying to @timmolendijk @vdmandele

      iDeal QR codes provide reconciliation, but are pretty expensive. So there isn’t a reason to replace the existing setup customers know and like.

      2 replies 0 retweets 1 like
    10. ʈim‏ @timmolendijk 17 Oct 2020
      Replying to @thijsniks @vdmandele

      Ah yeah, that makes sense. So in the end it is universal instant payments and decent banking APIs that we are waiting for…

      1 reply 0 retweets 1 like
      Thijs Niks‏ @thijsniks 17 Oct 2020
      Replying to @timmolendijk @vdmandele

      The risk is the lack of business model for the APIs, so it’s hard to picture those getting good over time

      12:35 PM - 17 Oct 2020
      • 1 Like
      • Joost van derMandele
      2 replies 0 retweets 1 like
        1. ʈim‏ @timmolendijk 17 Oct 2020
          Replying to @thijsniks @vdmandele

          Hmm yeah I see 🤔 very insightful! Thanks for sharing 🙏

          0 replies 0 retweets 1 like
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        2. Joost van derMandele‏ @vdmandele 17 Oct 2020
          Replying to @thijsniks @timmolendijk

          Yeah, so you need it to be an app. Then you can just blend in a banner or <gasp> sell t transaction data. Also,given the amount of breadcrumbs these Co's take, you have ample room for kickbackschemes etc to get shops/people/banks interested in offering it. not my field though😝

          1 reply 0 retweets 0 likes
        3. ʈim‏ @timmolendijk 17 Oct 2020
          Replying to @vdmandele @thijsniks

          ehm yeah, you better stick to stock picking 😜

          1 reply 0 retweets 1 like
        4. Show replies

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